It does not factor efficiency at all.

The bill does not care about efficiency.

I just tested homepage but dashy looks promising. It looks like homepage lacks support for user authentication, but dashy supports it.

Thanks! I have chosen that one for my test. But it looks like there is no access/user management available.

Sounds like your nextcloud instance has a low limit for the upload file size. It has to be adjusted in the php settings of your nextcloud server. I set it to 1 GB and have no problem in uploading my videos using auto upload of the nextcloud app.