I agree and it's why I'm a fan of apps that sync data via something like Dropbox or Google Drive. The application can still be file based and the developer doesn't have to run servers. There are the obvious limitations, but for personal use it works pretty well.
I have to mention Joplin here, which became my note-taking app after a lot of research. There are certainly more powerful apps, but Joplin is open source, runs on all devices, (Windows, Linux, Android and iOS in my case), syncs data via Nextcloud or Dropbox, and supports E2E-encryption. It also allows inserting images directly into the notes, which I found cumbersome with other markdown-based note apps.
The developer is also very active and adds useful features and bugfixes very regularly. Definitely worth the few bucks I donate every month.