I think you underestimate how simple it is nowadays to get anything linux-related set up. Ubuntu has a graphical installer similar if not better than Windows’, and snap packages can be installed via the software center. (ex. nextcloud). Port forwarding is slightly more complicated but sometimes not even necessary (local-only sharing/storing), and most providers have a mobile app with a very user-friendly GUI.

I’m just saying, it’s not Gentoo levels of complicated like you’re making it out to be. It’s pretty similar to installing an app from the Microsoft store, albeit with a few more steps to ensure full functionality (again, port forwarding).