Here is how I (noobinoob) built my own Nextcloud-Server
- Hardware: I took the old PC from my aunt, no idea about the specs. Added 4 x 8 TB NAS HDD drives and removed the graphics card, the onboard graphic from the CPU was enough. No raid-controller, just connected the hard drives to the motherboard. In future I can add a PCI-Card with more SATA-ports.
- Software: I installed Linux Debian, put my 4 HDD drives in a btrfs-raid1 pool, encrypted them with LUCS, installed dropbear to ssh into my server when it is not started and unlocked yet, installed ddclient to update my domain with my home-IP and followed most (not all) of this guide to install nextcloud. Unfortunately, it is in german, but there are plenty of english intructions out there.
- internet-stuff: I bought a domain (10 Euro/year) and set up DynDNS. I opened the neccessary ports on my router/firewall.
I had to look up a lot of things and failed many many times, but now it works and I am very happy with it - no downtime in the last year. It took about 6-12 months to get there.
In conclusion:
Your way (nextcloud on hetzner) is the much better way. You save time and money and your data is more secure.
But if you want to learn a lot of new stuff, building your own server is fun.