I was in another country when there was a power outage at home. My internet went down, the server restart but couldn't reconnect anymore because the optical network router also had some problems after the power outage. I could ask my folks to restart, and turn on off things but nothing more than that. So I couldn't reach my Nextcloud instance and other stuff. Maybe an uninterruptible power supply could have helped but the more I was thinking about it after just didn't really worth the hassle anymore. Add a UPS okay. But why not add a dual WAN failover router for extra security if the internet goes down again? etc. It's a bottomless pit (like most hobbies tbh)
Also (and that's a me problem maybe) I was using Tailscale but I'm more "paranoid" about it nowadays. Single point of failure service, US-only SSO login (MS, Github, Apple, Google), what if my Apple account gets locked if I redeem a gift card and I can't use Tailscale anymore? I still believe in self hosting but probably I want something even more "self" to the extremes.
its so much simpler when you have the files stored locally, then syncing between devices is just something that can happen whenever. anything that is running on a server needs user permissions, wifi, a router etc etc, its just a lot of complexity for very little gain.
although keep in mind im the only one using all of this stuff. if i needed to share things with other people then syncthing gets a bit trickier and a central server starts to make more sense