Change my mind : a mini-pc + attached storage is the most adequate home server solution for 90% of users

I know this might be controversial but I genuinely believe that a mini pc and some form of attached storage constitute for most users the most adequate home server solution. Of course I am not talking here about applications which involve serving dozens of devices and users with 99.99% uptime, I am talking home media server and some additional VMs/containers.

Here is why:

• Can be bought used for cheap (<200€ for i5 10th gen, 100€ for 5-bay DAS). Most of the time better value than prebuilt NASs.
• Very small form factor and noise, perfect to hide in a closet somewhere or in the corner of a room.
• Some models can also be fitted with a NIC to go beyond gigabit speeds (alternatively, many mini PCs on Aliexpress now come with 2.5G).
• Very low power consumption. Maybe more relevant for Europe where electricity is not cheap.

Of course you could argue that:

• It is usually less expandable, in terms of CPU/RAM/storage. Regarding the storage, if you buy a sufficiently large DAS from the start, you have room for additional drives later on.
• These machines are typically less capable than full-on servers but I believe that not everybody actually needs a server rack and 512GB RAM at home.
• They are also less reliable (not UPS, redundant power supply, etc) but for home purposes, I believe this is less relevant.
• DAS are sometime considered unreliable, especially with RAID setups.

That's all I have, interested to hear your thoughts.