Huh? I'm not paying for nextcloud. It's free if you self-host it amd I self host it. I bought a cheap PC for like $150 that's got equivalent processing power and RAM that I've seen those shiny new self-hosting computers advertised for $400+. That was a 1-time fee. Plus I can use that as an extra server for other stuff I'm planning on setting up, like my own Nostr relay and maybe a Tor site or something. I have some other ideas too.

I pay $25 / year for the safe deposit box but that's not data backup specific. I've always had my paper documents in a safe depositb box, so that cost isn't going away if I stop using it for backup.

Google drive is like $20 / year I think. I used to only have my data on there unencrypted before I went sovereign self-hosting route. I probably could get rid of it because I'm pretty sure the other 3 backup options are more than enough. But it's only $20/ year so why not keep it around.

Also, I'm confused about your statement a bit. You think I'm paying more than what and getting less than what? What is supposed to pay me? Are you selling a backup service or something?