Comment Seafile (Score 4, Informative) 200
I use it for several months now and it is both fast and reliable (much more than the owncloud versions I tested previously). It handles my whole pictures collection (about 90GB) very easily. You can install your own Seafile server (there's even a raspberry pi version), or buy storage space from them. Clients are multiplatform (Windows, Mac, Linux, Android, iPhone/iPad).