The only thing the AIO is missing is #5, and you can probably mount an S3 bucket on the docker host and set the environment variable in the docker-compose.yml accordingly.
I’ve used NC for a long time now in virtually every configuration available from bare metal to snap to NCP, the AIO is by far the easiest thing I’ve ever used to set up and maintain Nextcloud. I wouldn’t be climbing into bed with a proprietary oriented company instead. They will eventually fuck over the users, count on it.
A reason to not harm yourself?