I've run into similar frustrations myself. A while back I started mounting my various cloud accounts right in Finder to make life easier, especially when juggling Google Drive for work stuff and Dropbox for personal files. The convenience is huge since it feels like extra local storage without constantly switching apps. For the encryption part, I ended up trying out something that lets you add your own layer before anything syncs up. It's pretty handy for the paranoid days, and you can check it out here if you're on Mac: https://apps.apple.com/us/app/cloudmounter-cloud-manager/id1130254674 — honestly, it's become my go-to for keeping things organized across services without everything feeling scattered. No massive speed killer in my experience on decent wifi, but yeah, you still gotta remember your master password or you're toast. Just my two cents from messing around with it over the past few months.