Sure, you can use a VPN if you want to spin up the instance and connect to it without having a domain. You can always open the instance of Nextcloud to the internet later, when you buy a domain.

Get a cheap .XYZ domain if you just want to experiment with spinning up a reverse proxy.

I like it. If you don’t mind exporting your bank transactions once a month and importing them then it should work just fine for you.

I always wondered why DMCA rubbed me the wrong way but couldn’t put it into words. This helped me pin down why. Thanks!