tl;dr: classic convenience/privacy. depends on your threat model. surely better than Google. models of zero trust will help.

That's a great question, that I have asked myself before too. It doesn't have one answer, and any one would make their own choices based on their own respective threat model. I'll answer you with some of my thoughts, and why I do use their services.

I'll take as an example my usage of NextCloud, coming as a replacement to Google Drive for example.

let's break up the setups:

1. client (mobile app, desktop client, browser)
2. communication to server
3. server

It's oversimplified, but to the point: In Google's setup, you have control of 0 out of three things.

1. you use their closed source client, 2. they decide the communication to the server (if there's any CDN, where their servers located, TLS version), and 3. data is on their servers, wether encrypted or not is up to them.

In NextCloud's setup,

1. The clients are open source (you can varify them, or build your own),
2. communication to server is up to you. and in this case you trust your data with CF, that's right. gonna have to trust them.
3. server is your server, and you encrypt the files how you want.

From just this look, NC is clearly better off. now, it's not perfect, and each one will do their own convenience vs privacy deal and decide their deal.

If you deploy some sort of e2ee, the severity level of CF drops even more, because they're exposed to less data. specifically for NC they do do e2ee, but each solution to its own. https://nextcloud.com/encryption/ this goes as an example for zero trust model. if you handle the encryption yourself (like using an e2ee service), you don't have to trust the medium your data is going through. like the open internet.

gotta admit I haven't read the ToS, but I didn't encounter any problems. I'm streaming GBs of music via the tunnel and it still works. p2p I didn't try, but I don't really see a reason to?

Idk man, it seems pretty irresponsible to me to write a blogpost with stuff that you got from ChatGPT without understanding it. People will assume that if you wrote a blogpost on this then you know what you're doing. ChatGPT gets stuff wrong all the time, and we're talking about firewall configuration here. If it misconfigured some stuff it could leave you and your readers vulnerable to all kinds of shit.

In this case it seems to me that (luckily) there's just a bunch of redundant routing, but the next time it could be leaking your and your readers' torrent traffic out of the VPN tunnel, leaving you vulnerable to legal repercussions for piracy.

Please don't authoritatively post stuff that you got from the automatic bullshit generator without understanding it.

I took a look at it. From what I understand, some of the lines in your setup are redundant. The final product seems to do basically the same job as mine. In any case, if it works, it works.