I would suggest you start to play around with whatever machine you have in hand. Later on you can migrante to a more serious solution. If you want to first play on a VPS, Hertzner’s are like 4€/month
As for utilities, you could start with (in suggested order over my perceived usefulnes/coolnes/difficulty) Immich, videogame server, Jellyfin, Wireguard, Jupyter server (if you code Python), backrest.
When you want to scale up and migrate into a more “serious” setup, it depends on that you want and your budget. Still, I recommend a multi-disk bay PC (NAS), and go for a dedicated Linux distro (I’m using TrueNAS; not perfect, but overall a very good experience).





I use backrest. It’s incredibly powerful, but has a steep learning curve. A way simpler (not as powerful) alternative is Timeshift. Your distro/DE also probably has a backup app.