I use the following a lot:
- Nextcloud for files, calendar and contacts
- synapse + a few brudges for IM
- mail server
- tandoor for recipes and grocery shopping lists
- gitea
- wireguard
- miniflux
- rmfakecloud And from time to time:
- jellyfin
- wallabag
Tandoor is imho somewhat overlooked and really nice.
I have it in nix and use the postrgesql backup config + borg in nixos to move the database and files on another host for backups. I would say it is not too complicated as long as you dont want to have it fully declarative (i sill manage users and apps in nextcloud itself).