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I never have and never will trust “the cloud”. If someone else is holding your data, it is no longer your data.
I pay for someone else to hold an encrypted backup of some data. The living data is in my server, they’re just one of the backups in case there’s a fire at my house or something. I pay because I expect legal liability from them to hold my data safely, no freemium shenanigans. And I encrypt because no one can be trusted not to mine my info for AI or sell my shit to a shady third party for profit.
I get a discount on OneDrive, making it the cheapest storage I can get, and it acts like this for me. Unfortunately the interface between Linux and OD leaves much to be desired.