Ok it's old but: raid is not backup.
I've personally worked for a small online shop that was selling digital items and shut down when their raid failed. Of course, they had ignored my warnings to build a mirror system or do copies on removable drives or ... anything resembling an actual backup.
Edit: that said, I do have a box that's pretty similar to what you're describing.
I back up my family photos and other important files to Amazon S3 using Restic. My 150GB of data ends up costing me about $1.50/month. I could get the price down lower if I use, say, the Infrequent Access storage tier, but at that price point I just can't be bothered to deal with it.
A free tier often isn't worth it if you have to put any time into thinking about whether you'll exceed the limit. I'd just go with a cheap pay-as-you-go service and not worry about it.
So you recommend ZFS but not TrueNAS? It more or less is FreeBSD with zfs and NAS-oriented defaults+utils. There's not much I'd count as bloat.
- ECC RAM, to avoid corruption on write
- Software RAID, to avoid data loss due to drive failure
- Some kind of checksumming and error-correcting filesystem, e.g. ZFS, to prevent data loss due to bad sectors
- Enough CPU to transcode media in real-time
- Vanilla distro with SSH, SMB filesharing, Plex, and networked printing
- A spare PSU in the closet
I explicitly avoid:
- Hardware RAID (unnecessary, expensive, harder to fix)
- Any OEM prebuilt NAS products (more expensive, less capable, less user control)
- Any specialty NAS-oriented distros or OSes (more feature bloat, bigger attack surfaces)
I use plain old Debian for my home NAS. I'd switch to OpenBSD in a heartbeat if it supported a checksumming and error-correcting filesystem.