Privacy is a trade-off against convenience, and there is no perfect privacy.
VPNs are a mediocre privacy tool, because they presuppose trust in the VPN provider. Tor is flawed because it is open to correlation attacks.
There are low-hanging fruit that everybody should be using like sensible cookie policies, HTTPS-only mode, and DNS over HTTPS.
If you are looking for a solution on the far end of privacy/inconvenience you could look into I2P and use that situationally.
I think you’re spot on: Markdown files with SyncThing. That’s my setup as well, you just can’t beat markdown files as a back-end for flexibility and future-safety in my opinion.
Some things to consider: