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Maybe I don’t understand what you mean, but I have an smb share that my phone can always access (via vpn, or when on network). IOS does a good job remembering it, staying connected, and reconnecting between interruptions. I keep my obsidian folder on the share and the iOS app has never had problems finding and connecting to it, just as my desktop and laptop, keeping everything in sync automatically.
Yeah this is why Apple has been slowly peeling away traditional file / folder features from front and center. The user doesn’t care where or how they get their files, they just want them at any given time. Spotlight being the most successful at obfuscating where anything is yet allowing access to everything. Microsoft has started to pick up on that and attempt to solve the same problems.