This is why grass roots is so important.i struggle to believe in anything that isn’t bottom up motivated.

I understand the Bitwarden not hosted yourself. I’m somewhat of a noob myself and wouldn’t trust myself for it. But Nextcloud seems to me like it’s not too big of an issue if it’s down for a day or two. Do you often work with remote files? I am planing on just using Nextcloud for syncing which can wait.