Others have explained it well. Just want to add a recommendation to use the trash guides (https://trash-guides.info/) to configure these apps. You can use Notifiarr to sync these changes automatically too

I also use restic for backups. I actually switched from Borg because it kept getting stuck and failing but couldn’t work out why. Not had issues with restic (so far, touch wood!).

I use resticprofile with yaml configurations though (https://github.com/creativeprojects/resticprofile), which made it much easier for me to figure out.

I use borgbase for offsite backups.

I use a curve card which links to existing credit cards. Their app allows me to add it as a payment option for NFC on my fairphone with /e/os

I really struggled with readarr but maybe because I never used a private tracker as others have mentioned. I’ll give that a try

I had a lot more luck with https://github.com/evan-buss/openbooks but it’s completely manual. I make a note of books I come across and then every few weeks manually search on here and add the downloads to a calibre monitored folder.