For pictures of my family, yes that high reliability is worth it, I don't want to permanently lose a single photo because of a hardware or software failure. I backup my dropbox to s3 via Arq and also have a IFTTT that pushes photos to the free TB of space flickr gives everyone.
You have a backup on every device you choose to sync and if one of these devices happens to be a server with a copy-on-write file system like btrfs[1] i find it very unlikely you will ever loose those files to corruption or a single point of failure.
> i find it very unlikely you will ever loose those files to corruption or a single point of failure.
Unless you happened to live in New Orleans in 2005. And really of all that sounds like a lot of work to set up and maintain for the near zero chance that some government type wants to spy on me to look at harmless and boring pictures of my pets and family.
So what if the sever goes down for a few minutes or a hour sometime, your files will just sync when it comes up.
A small virtual server in a data center can do a decent job of it.