This thread is fantastic! Obviously, Nextcloud does not support rich text as we hope it will. But, progress is very very slowly being made. The new Text app will likely support rich text html in the near future and has already added a WYSIWYG menu + ability to embed images.
If you want Nextcloud to literally replace Evernote via singular app, assume it will not. There is no reason to close this thread just because we are not willing to directly code the answer ourselves. Rather, the Nextcloud system itself will gradually grow to replicate and replace the important features of Evernote over time with greater integration and interoperability between it’s many apps, already in early infancy via Projects.
Example: supporting system tags across all Nextcloud applications will make automation possible + make it easier to see how different “project” components relate, similar to how a “note” views many different elements of photos, text, etc. in Evernote!
Projects overview could allow disparate elements: notes, photos, tasks, deck boards, calendars, bookmarks, tasks and files to be auto-previewed and combined in a relatable manner to Evernote.