I have around 800 GB of photos from me, my dad and my fiance. That would be $ 20 a month. Ok, still not bad, I don’t think I could get it much cheaper on a VPS.
For now what I’m doing is running immich.app on my laptop at home with a connected external USB drive. It’s not e2e encrypted, just with ssl on https. But other than that it seems to have similar functionality.