Probably not what you want but I use rclone to mount my hetzner NC instance and have syncthing that points to that mounted folder. It's been pretty hands free solution for me since I don't have a computer at home that's always on. It all started because I didn't want to keep getting sync conflicts with my obsidian notes between laptop and phone.
I'm not sure I'm following: What do you use Syncthing for if on your laptop you mount your remote Nextcloud storage anyway (and presumably use the Nextcloud client on your phone)?
I don't think that Hetzner has the next cloud encryption turned on. So I assume it is not encrypted but when I use syncthing, I can turn on encryption there for the NC node.
