I’ve used pcloud for 7 years, it’s been very stable and i even use it for backups (700GB daily).

It’s the only solution I’ve been able to send at consistent 1Gbps speeds to (except when it’s many tiny files).

About encryption, you unlock it once per restart and it stays open. It’s not like you have to enter password every time you move a file..

(For the backups i use rClone with encryption)