That would be me. My NAS metal box is with J4125 & 8GM ram, running (obviously) storage services and Plex and HAOS in VM and 2 camera footage feeding into the NAS storage (but w/o object detection stuff). And a second VM running Ubuntu desktop environment as a family web browser.
(And AdGuard, and DB, and MQTT server, …)
CPU is like 4-7% when you are not using Firefox for web surfing.
Bit of a difficult question, as few if any will have done both methods and can provide a useful comparison. So I’ll just say I used the community guide and it worked great for me, and the 1,000+ post thread is filled with positive comments.