You've got a point, but now I gotta ask: Where do you store your original paperform documents? You know, the real-life critical things. Maybe I'm wrong, but I feel like most people store these things at home, possibly tucked away in a neat, little, sorted folder, for preservation. Which would be a nightmare for all the same reasons, but seems strangely accepted and widely practiced.
No data I own is life-or-death critical. Losing everything would be really bad, but many things can be restored in alternative ways, except the photos.
Also, I may be able to backup the most important stuff (which would only be a few GB at most) to an offsite server, as long as nextcloud (or an alternative) is able to export contacts, calendar and photos, or I can single these out in some other way. As long as this somehow works, I can rent a cheap hetzner server with a few GB of storage and have that be the backup target for the most critical stuff.
Thank you for the explanation. I'll probably be testing a lot of FOSS apps on my current android before I make the switch, so it's good to know that I have to look out not just for usability, but also connectivity!