"your options are extremely limited if you want to actually recover deleted or changed files"
I use NextCloud. I wouldn't say the UI is a model of clarity but as it saves multiple versions it's possible to cope with the occasions when yesterday's - or an hour ago's - version of the file suddenly seems like the best idea.
Another useful aspect is sharing. I use it to share calendars between phone & laoptop and files between my laptop and my wife's.
However it sits on a Pi upstairs so I'm not beholden to any third party although I also have been testing another hosted by Mythic Beasts to allow sharing with 3rd parties.