I don’t knowvwhat mtls is, but Joplin has mostvof what you want. It does not have card layout native, but there might be a plugin for that.

I sidestepped all this crap by buying Synology in 2014 and upgrading 2 years ago. Sure, it isn’t FOSS, but it is very nearly plug and play.

I configured OpenVPN for when I want to use it remotely, and self host my music, video, and family photos.

Having the 4 drive RAID-6 gives me some security from the danger of losing data between backups.

I store all my scanned documents, ocr’d, and keep the paper under control.