Although I am no expert in this field but here are my personal views,
Fit → It’s relative
One size fit all concept is wrong. Fit word itself is relative since needs a different and for that solution needs to be different too.
NextCloud scales very well so depending on need, it can be stripped down or add many apps, modules and functionality. So possibilities are endless.
Do you need NextCloud?
Fundamentals are security and privacy here.
Everyone needs cloud. In todays connected global economy, without communication, nothing will function. Literally, nothing can function without digital communication.
Knowingly or unknowingly, connectivity, ability to share and cloud is used by all of us.
When you look into it, you may see, hand full of large companies are controlling the entire thing. We are completely depended on them and worst, if you read their terms, data privacy is a major concern.
What is NextCloud then?
Basically speaking, it’s that backend code. Similar to which Google Drive / Docs / photos and such type of cloud providers use.
It is open source so anyone can check & have complete trust about data privacy, safety and security.
This piece of software gives you the ability to run & host in your own server. Encrypted & secure. Your data, your rule, within your absolute control.
How do you use it?
From user point a view, it’s not much different than other cloud service providers for Office & such collaborative apps & storage or sharing between people.
You can use the NextCloud iOS / Android / PC apps or use the web browser to access the web interface to do your work.
However, what it different that you need a server to run this nextcloud software. This can be a on premises hardware or you rent a VPS out from server service provider to install a linux server os and nextcloud on it. There are few companies who does it for you, they are those paid hosting providers. → Depending on the scale, cost and your data importance, you choose the way forwards.
It’s your willingness that is holding you back. NextCloud and the OS it runs on are completely free to use. Not just personal but for any commercial use.
NextCloud is giving us, the users a great option. Option to take control of our own data without losing the ability to be on cloud. Full featured and as good, stable and feature rich as the best in business.
It fits the need of all and any Organization. Question is just the willingness to use.