Earlier quoted context omitted.
Honestly, whose data isn't "super important"?. All my data is super important. Even the crap I just throw on my Google drive. I want to keep it. What is this mythical unimportant data that people still want to back up?
I really used to enjoy formatting my machines about every 6 months. Well I used to until macOS kinda went off the rails a bit. Now it’s mostly an exercise in running my arch script for my thinkpad. Being stuck between operating systems is kinda a mess though, makes backup and file sync in general really hard. But everyone’s gotta have their own cloud, right?! Why can’t I just put a cloud under my bed and forget about…
Just buy a Synology NAS. Keep default settings, set up a few user accounts, tweak a few things here and there, enable encryption, install Active Backup on all your devices, done.
There are many cheaper/more open options for self-owned NAS storage, but contrary to a Synology they're definitely far and away from "and forget about it".