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Syncthing. Run an extra instance on a Raspberry Pi 4 with a 512gb sd card plugged in in a closet somewhere for the always-on node.

Make sure to set STNOUPGRADE=1 in the environment though to disable the RCE that it gives the developers.

The ones I've found which claim good encryption out of the box are https://www.pcloud.com/ and https://tresorit.com/

Cryptomator allows you to use local encryption with Google Drive or Dropbox as the cloud storage provider.

I haven't used it so I can't speak to its niceness.

I use iCloud

Interesting. Is there a good read on iCloud's general document security? My sense is that while Apple is great about iMessage and this stuff in general, they probably haven't implemented the same level of privacy for all of iCloud. That would be very challenging.