Booting off an SD card. I need to change that, but I’m lazy.
I do treat it like I would a Dropbox. I store photos I want to save, documents I want to save, etc. I was using it for recording trips for a brief bit, as well.
I’ve used it to share pictures with friends from our hikes, and I’m on a very fast internet connection.
My usage loads might be sufficiently low to not be a problem. I’m not constantly streaming from it like LTT does their NAS. For major software projects, I might use it as a remote git repo.
I probably have a high speed SD card.
There are times when it’s slow, but not too often. I forget what I’ve done to resolve that.
Also, running the NextCloud app on my computer has never been slow and that’s my normal use case for file management on it.
It’s always run perfectly fine for me and my needs, and I even tested having shared video calling in NextCloud and it continued to work great.
I’m not sure your configuration, but it might be worth trying on a Pi4?