It's a mish-mash. A bunch of VMs running on ProxMox, Wireguard is the link from the outside world, QNAP NAS for document storage and running SyncThing server for phone photos and videos backup, a couple of Windows VM's we RDP into for banking and centralised documents and spreadsheets. Also PiHole running on a VM so my 'roaming' browsing is nice and clean. Also, although off-topic-ish, ZoneMinder and LMS (lightweight music server - which the author linked to in comments a week ago or so: https://github.com/epoupon/lms) VMs accessible via the VPN.
Nothing particularly "integrated" like Sandstorm or NextCloud, but I haven't had the existential need for that level of accessibility.
The QNAP NAS (like Synology) has personal cloud apps, but I don't tend to like doing things the easy way. Going down that path also locks services into a particular hardware dependency. VMs are easily backed up and restorable to ProxMox running on new / different hardware if necessary.
