FX File Explorer + local servers = check and mate. If I need access to it immediately from a machine, put it on my /home/drive/desktop folder and it will sync to my computers in a few seconds, via synology drive. This also works over the internet, so I can move the files at home, leave, and power up my laptop to see them available, seamlessly.
I have a second server running Debian that does the first half, but not the syncing part. It’s more for docker stuff, not personal files.
I’m disabled too, so the less I have to physically move around, the better. Having a server to just dump stuff on and access from anywhere is amazing.