Nextcloud AIO is just a link (just the local IP+port) to the maintenance interface of my NC installation. The officially supported docker image of Nextcloud (link here) has a built-in maintenance interface which allows you to update the installation and all dependencies.
Because Nextcloud is more complicated to maintain (especially when you have a lot of apps installed), I have split all that functionality across multiple smaller services. Baikal, WebDAV, Vaultwarden and Freshrss are technically not needed if I use Nextcloud apps, but all of those services are easily configurable as docker containers and if one of them fails, none of the others are affected. If I use Nextcloud for everything and treat it as a monolithic service, I would lose all functionality if the service fails. Because of that, I only use Nextcloud’s core functionality, which is syncing files across devices and automatically uploading all the pictures I take with my phone. For everything else, I have a dedicated service that is easier to set up and maintain.