In light of this, I'm biasing toward simple file formats managed by tools I write myself, and optimizing for cost in a way that I otherwise don't, since any recurring costs incurred by the system are effectively a lifelong commitment. I am relying on S3 for primary storage (so that it is accessible anywhere) but with a sync to offline backup.
So far, I've implemented a personal Zettelkasten tool (with built-in spaced repetition, so doubles as an Anki replacement) and a search engine that's based on Presto (via AWS Athena) so that I don't need to keep an Elasticsearch instance alive. I'm planning to build out other repository tools as I go.
It's been very liberating to build tools that are never meant to be used by anyone other than myself, and with the confidence that the tools don't matter too much anyway since the underlying files are stored in evergreen formats.