I can say that if you and some friends bung in a few bucks each and get one of your computer-savvy friends to manage it (and really, once it’s set up you just run the automated updater), then you can set up Nextcloud and have however much for only the cost of hosting.
I have symmetric gigabit at home and run on an already existing server that mostly sat idle anyway. I use a certificate from Let’s Encrypt. Works great, available everywhere, costs me nothing extra.
