funded by an actual business.

You're talking like that's a good thing?

If my instance of immich no longer works, I still have my files.

If an encrypted database of blobs crashes, I hope I can recover it.

When I'm self hosting, I know my preference.

Encryption in self hosted when you're hosting only your personal data isn't really a positive feature

For the case of ente, having all the photos in encrypted blobs in a minio container, means you have to export the content every night using their cli tool, verify it, repeat for every family member, then backup the result