What Micro SD Should I Choose?

Hi I’m really lost on here.

I just want a cloud server but I have very little coding skills… It makes my head hurt just trying to process all the new information every time I try to get into it (but that’s besides the point).

So I have a few questions I was hoping someone on here could kindly answer because I don’t think I’ll ever figure it out:

It took some time to get my Raspberry Pi Zero W working, but I was wondering if that would work for this?
I’m also looking at getting a 128GB Micro SD card to replace my 16GB cheap Micro SD card, and I’m wondering, does the speed matter in this case?

If so, what speed would you recommend?

Do I need to have my Raspberry Pi Zero connected through Ethernet for the best performance on other devices when I’m trying to access the data? I don’t have an adapter, but I can get one.

I was looking at getting a SanDisk Extreme Micro SD card, but I don’t want to go overkill on the speed since I’m just storing personal data that’s becoming too full on the 30GB (15GB on 2 accounts) of storage I have in the Google Drive. Plus I have more on my computer, but I’m just trying to make sure I have enough storage for the future.

Thank you so much to anyone who responds to this! I’m not an old guy (I’m 16), but coding isn’t my field of expertise, so I hope you’ll be understanding.