Can recommend GrapheneOS. Very nice experience. You would think it is more work, but I feel it was less due to not having Google suggest some nasty stuff constantly during install and ever after. Everything works for me. Check your own banking app works from the list they keep and if it does, go for it!
Nextcloud, self hosted. But it is maybe overkill, unless you need it otherwise, for family photo album, docs or such. Davx5 also needed on android. Thunderbird for desktop calendar client. Can recommend etar for android calendar app.
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