If your main motivation is never going through that kind of digital loss, please please please do yourself a favor and do not rely solely on a local solution. If there’s a fire in your apartment, the best nextcloud setup isn’t going to do shit for you. Look up the 3-2-1 rule if you want to be safe.
I agree with your point but you mentioned the services that are literally the hardest to find alternatives for. Need to use photoshop professionally, good luck getting around adobe. Sys admin only allows microsoft because he doesn’t want to manage a bazillion different setups, get used to windows buddy. I could go on with examples…
Getting rid of those predatory megacorps is worth the fight, but it’s a fight. And it’s not getting easier just by calling it easy.