… should I worry about terms of usage for my documents on foreign servers?
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Always worry. Just because you arent using a us frontend, there is a very good chance they are using a US back end like AWS, azure, gcp, etc
Always have back ups. Google (or whomever) can always ban your account on a whim for whatever reason. There are plenty of instances of people losing everything. Even high profile people.
I run a local paperless server for documents:
https://docs.paperless-ngx.com/
Honestly, the time for migrating local first had come, if you are technically minded.