[megous]

If something goes wrong with your google account (or other SaaS that would lose your data, or ban you without recourse), you are not even on your own, you're just trully fucked. It's poof gone and no local/internet tech geek will be able to help you.

If something goes wrong with your at home nextcloud, you still have the data/hw, and you can either get help troubleshooting from someone who understands what they're doing, or you can try yourself (which will take more time). You're not on your own. And even if you are, you can just shelve it, and defer the recovery for later. But unless it figuratively crashed and literally burned, you're not fundamentally prevented from recovering your data.

[patleeman]

Yeah totally agree with this. I back up all my important data, but I’d still prefer to Apple/Fastmail/Dropbox be the primary provider of a service and back it up to my server (and other cloud services) than run and rely on my own nextcloud.

[sreevisakh]

In addition, backing up the services isn't that costly these days. Backblaze provides massive storage space at cheap rates and integrates well with encrypted backup software like Duplicity, Borg or Restic. Recovery from failure is usually a breeze with these software.