I’m a solo person on google enterprise for $20 a month. It sadly cannot be beat. Unlimited storage (almost 40TB) and email is all I care about and it works pretty much flawlessly (besides this weeks outage). I wouldn’t want to have the hassle of running it myself nor the price of storing all that data. So sadly I remain with google.
Yeah I think Google is pretty hard to beat for anyone who only cares about cheap storage, unfortunately. One argument I have for that crowd is that there's nothing stopping Google from coming seeking rent in the future (like they're currently doing with Photos), once they successfully kill off all viable competition by offering their products at a loss, which they can afford to do but a lot of companies who only do one thing (like e.g. email) can't.
But yeah I also don't think Nextcloud or other alternatives will really take over unless security/privacy/ethics become a higher priority than cost for most people, which seems unlikely to me.
Do you mean you don't know how it could deal with Ransomware? Or that there's no possible way local setups could could deal with Ransomware because you aren't aware of it?
Ransomware attack vectors are often clicking malicious websites, emails, or software opening stuff that is risky.
Keeping you access point patches system patched and browser up to date is a big line of defence, with or without cloud backups. Those identities can be as easily hacked if the weak spot is our computer.. Using browser and email plug-ins to increase security and safety can be helpful too.
One can run pihole locally at home as well and filter out a great deal of trackers that can get hacked.
It's also relatively easy to setup multiple vlans on your local network to separate your devices.
Having multiple current backups of your computer, physically and locallu is also an important defence against ransomware.
I'm on a similar plan, but I'm worried about the forced upgrade to Google Workspace, which would reduce the amount of storage to 2-5TB per user. I imagine it'll be mandatory soon.