I personally would want both options. I use mylio with many similar features and it has e2ee but you manage your own space / cloud and your still paying a monthly fee.
For the non nerd friends, managing your own cloud space is mostly a non starter although. The best choice is cloud storage managed by the provider as an option, along with the self hosted option.
For the non nerd friends, managing your own cloud space is mostly a non starter although. The best choice is cloud storage managed by the provider as an option, along with the self hosted option.