Rack mount server class machines at home generally aren’t great options. Definitely stick with tower/mini designs.
That said, for a home server a general workstation may be best. I personally have a System 76 Thelio. I added a second drive and installed proxmox with a ZFS mirrored pool.
I got tired of gpay breaking every week or so on crdroid. I just got a card that works with my Garmin watch and pay with that now. No more fighting the nonsense.