To follow up, it’s working wonderfully! I opted to selectively sync (Documents, Pictures, Videos, and .local) folders rather than my entire home folder. Syncing .local had a couple challenges:
- Trash is in .local; I don’t want to sync it
- NextCloud client (rightly) stores configs in .local; syncing them causes infinite sync loops
Apparently there’s a known bug where the clients don’t respect ignore lists. I had luck adding the above folders to the Global Ignores, but the per-share ignore lists didn’t work.
There’s a lot of noise created by syncing .local (my dashboard top recommended files is the “gnome_shell/application_state” 
). Normally I wouldn’t sync .local or AppData, but Shotwell stores its critical database in there, so who knows what else is important??
Figured I’d share this in case someone else goes down the same path.