Unfortunately I am using a hosted CPanel install of NextCloud. Which means my host has restricted large uploads from their level and changing the htaacess file and user.ini file in Nextcloud has no effect.
So I pretty much have to have Google. I was able to setup Dropbox within seconds, but they only give free users 2GB. Google gives you 15GB and 100GB for $2.99 a month.
So you do not have access to your php settings file? Could you ask them to increase that limit? Seems like a standard thing.
Also, vultr.com offers a full VPS and 50GB of storage for $5/month, might think about going that way if the current host is so limited.
HOw does this help anything. Can you try a google config ?