For now my server doesn’t have very important data most of it are your “Linux isos” I can just download again and I’m thinking of starting to move my file and photos to the server but in afraid. What if I get a ransomwarei don’t realize and all my backups get encrypted too? Or if the backups are corrupted and my disks breaks? But also I’m afraid about cloud because I’ve seen some posts about people getting their google accounts closed without notice for breaking TOS (maybe they did something wrong maybe not).

What you’re describing sounds like general anxiety. So if you’re asking whether I’m suffering from anxiety, then no :P There are risks in life and precautions you can take against them. I’m just as “scared” about losing data as I am about getting run over by a car, that is to say not at all. Both scenarios are horrible, both can be reduced in risk by employing reasonable countermeasures and behaviors. Beyond that it’s out of my control so there’s no point in worrying.

The only hazy variable in this kind of contemplation is: Am I knowledgeable enough to properly gauge the risks and know the “reasonable countermeasures”? And if you’re asking “Do you know enough?” or “Do you spend enough time learning new things?” then my answer would always be an emphatic “No!” because there’s no such thing as enough knowledge and competence.

Did you forget what subreddit you’re in? This is /r/selfhosted not /r/hosted

The responses here are very confusing to me as well.