I understand the Bitwarden not hosted yourself. I’m somewhat of a noob myself and wouldn’t trust myself for it. But Nextcloud seems to me like it’s not too big of an issue if it’s down for a day or two. Do you often work with remote files? I am planing on just using Nextcloud for syncing which can wait.

To me it sounds like that will mean most of them, they just don’t want to commit to saying all because there will always be another distro they missed.