Yup and negligible. If I’m forced to contend with a windows environment bitlocker is utilized.
I also utilize a ram disk in a windows os. Imdisk in windows. I migrate temp files and logs into the ram disk. It saves on disk writes and increases privacy.
If pretty straightforward to encrypt if utilizing Linux right from install time.
As for my server I too utilize nextcloud. However, the nextcloud data is on a zfs dataset. This dataset is encrypted.
I did this by installing nextcloud from docker running within a proxmox container. That proxmox lxc container has the nextcloud dataset passed into it.