As long as your photo collection doesn't have ~100k photos, NextCloud is great. I broke it though.
Discussion
A lot is how you set it up. It's not super fast but it's usable. It's set up with MPM event, php-fpm socket, Redis socket on both local and locking cache and some other stuff like fancy data eviction. It's on a beefy Xeon with a 128GB off RAM. I wouldn't put it on a RPi ☺️