Which is better to buy a basic NAS or a WD cloud home?

[Enquiries]

Hi, i am considering to move to NAS storage for my daily storage for home & business. Which option would be better as a basic non techie user, i am afraid of complicated NAS setup, compares to WD cloud storage, but WD has some limitations, the worst heard being not able to access files locally.
I need advice which is the better option for money?