These days I just store my files in S3. Whether or not this actually costs me more money becomes a very irrelevant shade of grey once I factor in the value of my time and sanity. I prefer having the capability to store and retrieve large files, not spending time maintaining this capability. This is also my "off-site" backup. I am paying for my operational NAS and its backup effectively at the same time. No one doing DIY is remotely close to 99.999999999% durability, even with all the kings horses and men put together.
I often see this urgency with total control pushing tech people into the very systems of oppression they seek to avoid. Putting your bits in some blob storage provider like AWS is not "losing the game" unless you frame it that way in your head. You can frame it as "getting one over on the bad guys" if you are a little bit clever with how you approach the problem. You can compel Amazon host any kind of bits with a sprinkle of AES256 on the client. I've been a customer with them for over 15 years and not once have they rug pulled me. I've never seen a NAS-style solution survive that long without intervention.