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Obsidian is pretty good. It’s just markdown files on disk. Syncing can be had through Dropbox or their Obsidian Sync subscription (which supports end-to-end encryption).
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Appwrite
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I personally use Notesnook, sounds to me like what you'd need.
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Joplin
Joplin - the secure note taking and to-do app with synchronisation capabilities for Windows, macOS, Linux, Android and iOS.
I use Joplin, it uses Markdown, notes are stored locally (you can also use the cloud), and notes can be exported to other formats
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Nextcloud operates on the model you describe. Notes are regular files, and sync to the mobile device, desktop, or are edited in a browser. Nextcloud is not a service, rather self-hosted software product. I'm not sure how good availability is at this time for purchasing single accounts from a service provider. Doing so is intended as a possibility, but may not have become well established, and has not been the focus so far.
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my choice is https://github.com/appml/neutrinote