Nextcloud was too slow and bloated for me. I used Seafile for years and it was fine, but at some point I went to some more simple setup : sftpgo to share folders (sftp, dav) and syncthing for the folders I want to sync between devices. You can also set ignore lists in syncthing to ignore large dirs. Keep it simple stupid 😅

No offense, but I suggest you talk to a psychologist about this 🙂 I and many other friends did over here, and it really helps to unlock your full potential (everyone has different problems).

Why won’t you be able to create two accounts?

This can happen with people that refuse to learn!

I use encryption on laptops, because they can be stolen in the train, bus, etc. On work desktop, I do so as well, because there are many people around. However, on everything that stay at home, I prefer not to use it to simplifiy things and get more performance.