I appreciate that security is important and those that give it up for connivence deserve neither... but I'm at a loss as to why some 'hacker' would go to the effort to sift through the type of content that is typically stored on the average NAS box. Like you said, family photos, birthday videos...
If you're a digital nomad / homeoffice user then yes, your livelyhood depends on something more secure - but that's not the userbase here.
I have rolled my own raspi/owncloud in the past but happily use the WD MyCloud to sync all the devices in my house.