Well, the question is, what are your real needs and what part of you is asking for MORE POWER? :-)
I personally think, that the Dell T20 is more than enough for a ONLY NAS Server and even for a small homelab.
You could go for something similar to this (ebay) but I had MUCH more success in looking at "garage sale" websites (I don't know, what sites to use in the US):
> Well, the question is, what are your real needs and what part of you is asking for MORE POWER? :-)
Ha, should have mentioned that before! I want to run a few services at home, so need more than 2 GB RAM. I'll also create a NAS/Nextcloud to store "family" data (documents, pictures etc.) but nothing "data hoarder" level. So, 4 TB would easily last us a decade or more.
Do you still think I should go for such enterprise servers? (Noise, complexity etc.) Or should I just get a used desktop/laptop?
I personally think, that the Dell T20 is more than enough for a ONLY NAS Server and even for a small homelab.
You could go for something similar to this (ebay) but I had MUCH more success in looking at "garage sale" websites (I don't know, what sites to use in the US):
https://www.ebay.com/itm/175291934211?hash=item28d036a603:g:...
https://www.ebay.com/itm/284831417242?hash=item425146839a:g:...
Dell T20 - but I would not invest more than 150$ incl. >= 16GB ECC RAM.
HP Microserver Gen8 is more expensive, but not more than 350$ incl. >= 16GB ECC RAM.
You could also consider FUJITSU PRIMERGY TX1310 M3 and better. More modern Machines include the DELL T40, but it is much more expensive.