My experience: I've been using Nextcloud for almost 10 years (prior to 2016 I was of course using ownCloud), which I've been self-hosting, but to be honest I'm not a huge fan of the bloated codebase it has become. It's also abnormally slow despite aggressive caching. Also, self-hosting isn't something I'd recommend for security.
E2EE support in their clients is very lacking despite E2EE being advertised as a first-class feature. Server-side encryption has no real benefits compared to that.
Nowadays I'm considering to distrust servers as much as possible, whether these servers are self-hosted or not. I'm eyeing at Cryptomator + a simple WebDAV nginx server, and in the long term, I'd love for ProtonDrive to be successful. I'm actually using the PWA sometimes. Client-side encryption features for Google Drive would be welcome too.