I have a NAS as my primary photo backup solution and one day someone will make a photo frame that I can point at it and it will just cycle through photos, but until that day, it's just a blackhole of memories. That said, that blackhole is important enough to me that I also back up online.
That said, given the new AI race, it's less safe than ever before and I'm seeking somewhere I can stick my photos and videos really cheaply and securely. Somewhere with pedigree that seems like it would be around in ten years. Also, someone with a modern design team so the app doesn't look like shit (preferably an open source Material You app targetting Android 14) and I can get notifications with daily memories.
NextCloud makes money from companies/organisations that resell/host the software for the public or use it for their own people. Every organisation has the option not to give money to Nextcloud, but if you can afford it and don't do it anyway, it's a shitty thing to do, imo