I suspect nextcloud having performance issues with slow Disk IO. With rootless containers I had a much worse performance than rootfull. Also using MySQL Backend instead of SQLite did speedup the performance.
Nevertheless I have the same problems with nextcloud as you stated. Pretty much not as usable as I thought.
Well because of money. You certainly have to pay to get Ubuntu certificated. And you only do this to have a Linux system with support from the manufacturer.
It’s an enterprise problem with an enterprise solution.
The normal personal systems are not in the same segment.