For encrypted git remotes I just create a bare repo on a nextcloud folder that gets synced automatically. I use it for plain text accounting and personal notes

For encrypted git remotes I just create a bare repo on a nextcloud folder that gets synced automatically. I use it for plain text accounting and personal notes. It's been working great so far, of course I'm the only user and I don't do concurrent writes. In theory I think the only files that could get conflicts are the ones in the refs directory.