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Selfhosted
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Depends on what your usecase is for what is "essential."
I think keeping household documents, taxes, medical bills, etc... In a local only paperless-ngx instance is quite essential to the organization of a household where everything is searchable and able to be organized on multiple levels compared to a simple document folder on 1 computer.
Having a document or self-hosted wiki with an in - case - of - death document that gets backed up in an encrypted, but accessible by family place is probably the most "essential" thing.