If I had to point the discussion of this comment, I'd point it away from what I did wrong personally (I know I f*cked up in probably more than one way).
What I learned from this is that there are no situations in which I would personally host a file server of this feature level and control over my documents. I think "all in one" (dropbox/backup/encryption/sharing/file storage) personal solutions like Owncloud try to do too much, and end up with some seriously rough edges that can turn off very large portions of their user base.
I guess the question I raise is, given my experience "can you prove to me that I can absolutely trust you with all my data"?