You won’t regret setting it up. I was hesitant at first as well but three years later with zero-downtime and 100% auto-update success I can honestly say I’ve spent less than 30 minutes administering it.
Currently have it running on DO with daily droplet snapshots and it’s a nice reassurance that wherever happens, I can get back to a working state and never lose any data.
So, I've been curious about nextcloud for a good while, does Hetzner keep the version of NextCloud up-to-date? Which functionality is included? I'm also looking at Tab.digital from the Nextcloud hosting partners list and they seem to offer a lot of functionality at the private cloud tier that is roughly the same price as the NX20 tier at Hetzner with less storage. I do not need a lot of storage, but having the ability to make extensive use of Nextcloud integrations would be nice, which is not clear from Hetzner's comparison chart.
Yes, they take care of the maintenance and updates. You get an instance with a specific url, and an admin account in which you can activate/deactivate modules ("apps") and manage user accounts.
As far as I can tell you can get the same features as if you managed your own instance.
My storage requirements are low and I’m currently using the 25gb or so of space that comes with the droplet. Unfortunately I can’t comment much on a Nextcloud setup with block storage.