I’ve genuinely been thinking the same lately , Nextcloud keep implementting new features and AI crap etc etc , but should be working on stability, reliability and improving performance. Since the last update , talk won’t connect video calls on the Nextcloud AIO which was designed to make it easy. Time to look else where for similar projects like opencloud for files , immich for photos and maybe something like Jitsu for calls and chat.
Pi’s are no longer worth it , far too expensive for what you get. Best to go with a mini PC like others have said, massively more powerful and about the same power usage.