The big thing for #2 would be to seperate out what you actually need vs what people keep recommending.
General guidance is useful, but there's a lot of 'You need ZFS!' and 'You should use K8s!' and 'Use X software!'
My life got immensely easier when I figured out I did not need any features ZFS brought to the table, and I did not need any of the features K8s brought to the table, and that less is absolutely more. I ended up doing MergerFS with a proper offsite backup method because, well, it's shockingly low-complexity.
And I ended up doing Docker with a bunch of compose files and bind mounts, because it's shockingly low-complexity. And it's just running on Debian, instead of some OS that has a couple of layers of additional software to make things "easier" because, again, it's low-complexity.
I can re-deploy the entire stack on new hardware in about ~10 minutes (I've tested this a few times just to make sure my backup scripts work), and there's basically zero vendor tie-in or dependencies that you'd have to get working first since it's just a pile of tarballs and packages from the distro's package manager on, well, ANY distro.