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Too many users abused unlimited Dropbox plans, so they’re getting limits
(arstechnica.com)
This is a most excellent place for technology news and articles.
I'm on my 15 so I don't have time to list everything but a lot of your assumptions are wrong about what you'd have to learn/ need to set up on your own. Synology has a suite of apps for all your use cases that makes it quite easy to set up. And there's apps for your phone (yes android) to connect to it from outside of your network.
A good weekend of shmedium effort and you can have it all set up and running no problem.
If your powers unreliable btw you should invest in a battery backup UPS to protect sensitive products.
Ah, I do have a UPS for sensitive electronics, though I need another one for some other networking equipment anyway. That does make it feel more approachable. Maybe when my life stops taking a big steamy dump I'll look into this with more earnest. Thanks for the overview!