I’m still a beginner myself, but from my experience I’d say skip Nextcloud at least to start with. I found even the AIO version confusing to set up. Hell, I still do. I have the NextcloudPi image running on a Pi4 but am actively looking for a replacement because it runs like crap on that hardware and I don’t need all of the features it offers/tries to cram into one service.

I’m leaning towards FileRun. Yeah, you have to pay for it once. But so far it seems to be the best alternative that doesn’t try to do too much. And yes, I tried Owncloud Infinite Scale, before everyone jumps on me :)