Presumably you'd be using your regular PC to host Nextcloud. You are correct that you'll spend more in electricity than a Hetzner sub costs, of course. (The 1TB

Presumably you'd be using your regular PC to host Nextcloud. You are correct that you'll spend more in electricity than a Hetzner sub costs, of course. (The 1TB tier costs 5.11€ now btw.) However, Hetzner storage isn't encrypted (AFAIK) so I would _never_ put my personal files in there. I pay the extra cost gladly. There's lots of alternatives, of course - right now Icedrive is the one that I find most interesting, as it has similar prices to Hetzner, provides nextcloud-ish features and is E2E encrypted. I still need to look into how trustworthy they are though.