Currently using Nextcloud AIO and it's pretty decent, though I've got 16 vCPU and 32 GB of RAM allocated to it right now, though it's only using 10% CPU and ~7 GB of RAM at the moment.
I think it takes a while to warm up once you start adding data to it, especially depending on the plug-ins you add and amount of data.
I'm running it decently on a Raspberry Pi 4B. No less latency than a commercial cloud solution like OneDrive in my experience. Could be faster, though.