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I do it in docker at home, for myself, in an environment I am okay with accidentally destroying - and even then I have nightly backups of the volumes.
In a professional system, as mentioned in my other comment, I would simply just do it in a VM with the disk scheduled also for nightly backups. Nextcloud just hardcoded too many things dependent on thinking the underlying system was mutable. Unfortuantely that's just the easiest way to handle it.
However, also as mentioned, if I were in a professional environment, I'd have to really look at the cost for all of that infrastructure and my time to run it - and decide if I really thought I could run it myself with all of that overhead, and that it would still make sense compared to just doing google docs or something. Remember it'd be my ass on the line, as OP is learning