thoughts on cloud photo storage

Basically people are using cloud photo library nowadays to avoid expensive device storage, but the idea of storing my data on non-encrypted cloud is disturbing. So I did some research on privacy focused solutions. I think they can basically sort into 4 types.

|cloud photo library|public cloud|self-host|
|:-|:-|:-|
|local processing|iCloud/ente|?|
|remote processing|not considerable|Immich/nextcloud|

As you can see there's something missing. Basically I don't think everyone need a feature-rich photo library. For years people are focusing on docker based photo libraries like immich. But what about a multi-platform lightweight photo viewer/editor optimized for smb? Huge file list loading could be a problem but can be solved with separate folders by month/album. But most photo viewer/editor I checked on both mobile/desktop platform are just having outdated functions and design. Seems like it's something need to be done. Do you guys think this should be an option? Glad for any ideas.

https://redd.it/1x3psux
@r_SelfHosted