For what you’re describing (Immich, Navidrome, Jellyfin, Nextcloud), you don’t necessarily need to figure out drive redundancy and server builds from scratch.

Take a look at Syncloud — it’s fully open source and lets you install apps like Nextcloud, Jellyfin, and more from a simple app store. It handles storage, HTTPS, and updates for you. Runs on pretty much anything — an old PC, a mini server, even a Raspberry Pi. Might save you a lot of the confusion around where to start.

Your split setup makes sense, but juggling Netbird DNS + reverse proxy ACLs + Cloudflare can get complex fast.

You might want to check out Syncloud — it’s a fully open source self-hosting platform that handles HTTPS, auth, and app installs (Nextcloud, Gogs, etc.) out of the box. Runs on any hardware and you don’t have to babysit configs. Could simplify the VPS side of things at least.