Get your own NextCloud instance; you'd need to pay for some Linux VPS (<$5/month); installation takes 5 minutes and you have clients for all major desktop/mobile platforms.
Ultimately, after that $5/month plus storage costs, you still have to handle security patching, DR, and everything an infrastructure engineer does all on your own.
Not to knock it, I think it's a great option. It's just not for everyone, not for the dentist next door or anything.
There are oodles of managed nextcloud providers too, their pricing generally matches up favorably with standalone VPS pricing: https://nextcloud.com/providers/
I think it's a great idea for somebody that already runs their own VPS for their own homepage etc. Once you install NextCloud, you can continue by installing ActivityPub-based decentralized apps, replace most cloud offerings, and be happy about it ;-) I did that; arguably I am not a dentist but if some friend asked me to, I'd have done that for them.
