I don’t Nextcloud currently, but I have considered it. Currently I have everything I want on a drive connected to my docker box, and if I need it I SCP it to or from that server. My need for files stored at home isn’t exactly huge. But nextcloud or similar is in the pipeline.
I am on the move often too, but because I can VPN into my network, and use the pihole+unbound DNS on my GrapheneOS phone all the time, I always have access to my stuff.
My apologies; I have a computer running docker, who I hosts a plethora of services. I have an external drive connected to it (because i don’t have a NAS) and have it mounted to my underlying OS on that Docker server computer. And each container than needs it, mounts directories from that drive.
All of this is internal network only. And another server manages VPN connectivity to my home network. So I have remote access to everything I need with minimal ports forwarded.