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Arch is amazing for all of these reasons, and I agree that by design it’ll give you a lot of insight in to what’s under the hood that most other distos tuck away.
I’ve used it in the past and ended up moving away from it because it requires quite a bit more effort to maintain, which got tiresome.
Arch has an active and dedicated community, so obviously there’s a whole lot of people out there who feel it’s worth the effort. Maybe OP will too. But it’s not a distro to take on lightly.
It sounds like your ask is for a recommendation to back up personal files from disparate locations to a server.
I use a self hosted Nextcloud instance for this purpose.