The Steam Deck uses the capacitive thumb stick sensors to completely disable the trackpads as soon as the stick above the respective pad is touched. This works very well, so I think they‘ll implement the same thing here.

Germany actually does that! Quite a few government bodies are already active at https://social.bund.de/. Maybe there‘s hope that other countries will follow.

I‘d probably go with a VPS. It probably won‘t cost more than 10$/month, maybe even less, depending on how much heavy usage your Nextcloud instance requires. And you won‘t have to worry about keeping your hardware and network running, which pretty much always takes up more time than expected.

Some web hosters (I‘ve had very good experiences with Hetzner) charge an hourly rate and allow you to preconfigure VPSes with software like Nextcloud. So unless you have specific needs, you could just spin up an instance, check if it suits your needs and, if not, only pay a few cents.