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?
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.
[1]: https://www.raspberrypi.org/forums/viewtopic.php?t=245931
The 4 might have a better change with gigabit internet and faster usb, but I was still using a fast samsung fit drive, but not fast enough.
To be honest though - the intel box was modest, but still 4x the price. Additionally it's hard to beat a pi for installation - just insert the sd card. (there is always configuration)