Have you enabled server side encryption…
Any downsides?
There is also an end-to-end encryption app that seems to get bad reviews, whats the difference?
Absolutely not 
That’s way more stuff that can break and that in some cases are incompatible with other features that I am willing to deal with unless really needed!
It’s worth noting that one must understand what the different types of encryption do and how/where their keys are stored and also processed. It’s all covered here: Encryption configuration — Nextcloud latest Administration Manual latest documentation
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