Googledrive works as network drive and that's a problem. Have you tried to run MATLAB scrips with a virtual drive? Or open an obsidian vault in a virtual drive?

What I mean by "personal cloud services" is actually trying to avoid those professional cloud storage that you mention, not everyone wants to selfhost or pay for teras of storage. I just want my personal files to be accessible from my work computers (has to be windows, not my choice) and my personal computers (Linux based).