I am actually in a clinch with my nextcloud experience and found some different ways to handle this. My plans (tests looks good) is to simply use a small free nextcloud provider just to handle caldav/carddav/notes and stuff without all my data. Just enough to get everything synced.
For my data I plan to use ocis. It's a long year rewrite of owncloud getting rid of PHP and hassle. It's just a single binary. Docker support, too, but it needs some extra steps to initiate, unfortunately. But the experience is fast, modern, clean and simple. Without to much bloat.