Don't trust any cloud solution, never. Cloud / stream = "this not your datas, it's their".
Local storage, nass for example, with a backup solution (always, hdd fail ! (and will) ).
Sure not that simple to use and configure, it cost with you buy it but it will cost you less quickly. With raid you can get some nice size with security.
Yes, you won't be able to watch your porn when out of the house, but seriously, no one can't spend few day in holidays off !? (ok, easy for me, i'm usually hiking out of nowhere, so no connection anyways...)
How much data are you talking ? I'm going to setup a new one myself because my of/insta growing fast to I'm going for a simple usb raid with probably 2 x 4to 3" hdd.