As a user, I don't need to compete with Google. I just need an alternative. If I needed collaborative document editing (as a replacement for Docs, a feature I don't use), I'd probably try something like https://www.samepage.io/ . My only use of Docs at the moment is for maintaining some stock price calculations and tracking with the =GOOGLEFINANCE(...) function. There's probably some personal finance apps out there that do the same.