Correct, the hard disk in the laptop can not be read. This is where having a good backup strategy is important. Similar to how if your hard disk dies you’re no longer able to access the material on the hard disk. For me, the downsides of encryption do not outweigh the benefits of having my data secure.
I enabled full disk encryption during OS installation, set up a secure passphrase, and then set up automated encrypted backups to my home server, which are automatically backed up to a remote server.
I gain peace of mind in knowing that if my laptop is stolen I’m only out the cost of the laptop, the data within is still safe and secure.
I just saw a video on Pangolin which is, essentially, a self hosted version of what cloudflare tunnels provide. I have absolutely no experience with it, just saw a video on YT, but it might be the solution you’re looking for