Yes, it would require a user-facing password, but why would that need handling lost passwords? That would be very much in the hands of the user, same as E2E encryption for WhatsApp Backups for example. A new pw would be the same as resetting the db and syncing again, right? I understand that it adds complexity anyway but I still think it would be valuable for the app: If I hadn't already fallen in love with the app, that would probably have stopped me from buying if I had the issue at the time of buying. And with sovereignty becoming more and more important...
Anyway, thanks - I'll probably help myself with setting up some WebDav storage up...