Fiery Habanero Doritos

No need to worry, those security patches would be millennia ahead of any contemporaneous trojans.

Alliteration, Rhythm, Rhyme, and I like properly made tea.

Sure, you can use a VPN if you want to spin up the instance and connect to it without having a domain. You can always open the instance of Nextcloud to the internet later, when you buy a domain.

Get a cheap .XYZ domain if you just want to experiment with spinning up a reverse proxy.

I like it. If you don’t mind exporting your bank transactions once a month and importing them then it should work just fine for you.