Ah, yeah I guess you can’t browse your photos using a file system view. I just meant that it won’t automatically reorganize your pictures on the file system.
However you can create albums via an API call. You could probably write a script that adds each folder to an album or something.
For that use case, go syncthing. Nextcloud would be overkill. I run both, I use syncthing for my personal files and Nextcloud when they should be shared with others.