One of the first services on my server was nextcloud in docker container from lsio. Never had problems so there was no need to try AIO, but so many people recommend that, it will be my next setup if this one fails me

For 9 disks I would need to print a bigger case, but this one suits me well for now 😉

Daily backup to backblaze b2 and also to local storage with kopia. Its been running for a year I think, no issues at all. I didnt need a real backup yet, just did some restore tests so far

I was asking the same question a year ago and now Im running 30-40 services, all available remotely using VPN.

Everyone is talking about tailscale and how easy it is to setup (never tried it), but I went for pure wireguard VPN and IMO its not complicated at all. I have 3 devices with access to VPN, but I also use reverse proxy NPM (+ pihole as DNS server) just to be able to use custom domain like nextcloud.example instead of typing IP:PORT. I dont feel comfortable with opening ports to public, but had 0 issues with wireguard port opened (so far).

Just giving you an example, other people here might have better advices

If OP cant use more than one disk at once, how can they benefit from mergerfs?

Adding my data as well:

My server is diy desktop pc - mbo MSI Z270-A PRO with celeron G3930 and 16GB RAM, 3x SSD on 550W PSU, idles at 23W. After adding another 3.5" HDD consuption went up to 34W. 34W in Ctoatia is around 34€ a year.

Some SFF PCs are at 10-15W. SBCs like rpi should be below 10 W, but dont think you can get anything new for 80€

Your cpu supports quick sync so I bet you are good without gpu. Try it yourself before buying one, you also drain less power