Not sure if it’s really the freelance/professional thing others mentioned. Private legal expense insurance (Rechtsschutzversicherung) is fairly common in Germany, so might just be that.

I’d throw in mailbox.org as a more privacy-focused alternative to Google and Microsoft. Been using them for years without issues. Only their 2FA solution sucks.

I want apps that let me access my data from anywhere

This may sound exaggerated, but paperless-ngx combined with a good network scanner will change your life. All paper mail accessible anywhere and also searchable. Plus, it is much easier to just scan something and drop it in an archive box instead of trying to figure out which folder (banking or taxes or maybe bills?) to file it in AND still remember that decision years later when you need to find it.