I havent yet dealt with the customer service so this is indeed something to keep in the back of my head.
Does internxt and skiff also provide fully setup nextcloud instances or do you need to set it up yourself?
I’m reading that nextcloud tends to break whenever you update it or perform administrative tasks. Hetzner does al this for you so that’s a bonus item.
Stable resale value is indeed a great perk of an iPhone when compared to phones running Android.