There is no perfect solution..
I stay well clear of the uber curated experiences with Synology / UGreen / Terramaster etc. Not just because of normal security concerns, but I find the OS lag and apps become stale and then the effect of constant new hardware releases takes the focus of supporting the older less capable hardware..
I agree that whilst Unraid might be (generously) 80% of the convenience of the turnkey hw/sw solutions, there is enough scope to easily go in to a complete tech spiral of doom..
But, I think if you are willing to learn the basics of servers OS' and a bit of linux, then Unraid offers some guardrails and help to keep you fairly centered.. then as your knowledge grows you can then start to branch out on more and more services to make that financial investment a little more productive..