Buy a new N100 microPC with 32GB RAM and m.2 drive, Sabrent 5-bay USB_3 DAS, a couple 10TB drives. Easy low-power single box home server with room to expand. You also could add a good switch and box of Cat8 (cable always > WiFi)

Spend the rest on another hobby!

WD Red or Seagate Exos or any NAS drive, as long as it’s helium filled and CMS, which is usually 10TB or larger.

Home Assistant.

Whoa! My IP has never moved around that much.

If you want a little more security, use a firewall to whitelist your other players and block all other connections. It’s another thing to maintain, but ISP IPs don’t usually change very often.

M-Disc with another M-Disc copy stored off-site. Basically, the only way to get 100% instead of 99.9999% for the next 100 years.

That’s a perfectly good 4TB drive.