I’m no expert. I want to include that disclaimer up front.
Nextcloud with block storage on btrfs with snapshots seems like it could work for you. No idea about VFS though. I’ll leave that question for someone more knowledgeable. The “drive” portion of Nextcloud is quite decent. I regularly use it to pass large files between my phone (Android), laptop (Linux) and gaming desktop (Windows).
Nextcloud was somewhat difficult for me the first time I installed it, though I did have a usable system in the end. Then I discovered Nextcloud AIO and haven’t had an issue since.