Photos is actually something that I don't want to be E2EE when self hosting, so I host immich myself. But since you said it's not an option, id go with Ente. They are encrypted and they have paid options.
The reason I don't want it to be encrypted is I want my family to be able to easily retrieve the photos in case I die. I actually have a drive I occasionally backup in my safe that has all our family photos on it unprotected. That way in case I die unexpectedly my kids dont lose them all.