Yeah, anything that involves a bunch of complicated relationship interaction between PHP scripts I just don't mess with too much.
Right now I'm hosting it through Docker on top of OpenMediaVault which is hosted on Proxmox.
If an update absolutely borks NextCloud and for some reason its BorgBackup function doesn't work, I can at least hope to count on the ProxMox snapshot of the whole volume!
And besides that, I don't actually store anything essential in NextCloud's volume itself. It's all an external mount that I could browse with any file explorer, so worst case, I'd just lose a lot of convenience. :p