It’s like buying a house, and then expecting the house to pay the mortgage.

Exactly. It’s not important … until it is. :D

If you’re running it in a prebuilt container, as long as it works it shouldn’t matter and you don’t need to care.

Of course, when your database gets corrupted after Nextcloud updates because you had an app running that isn’t supported in the new version, it will suddenly matter a lot.