Nextcloud is more featureful (more apps like notes and hardware 2fa support). That is currently holding me to NC.
OpenCloud (fork of OCIS not original OC) is very similar when it comes to core functionality, but is missing those few apps I do not want to let go of.
Also note that nextcloud stores files in a very natural manner, where your file names and directories are stored the exact same on disk as on the interface. Opencloud does not do that. This is particularly handy if one day the app just explodes and refuses to run. With NC, you can just copy the files off the disk. Not so easy with OC.
While I do not make heavy use of these two, I like having my contacts and calendar synced and accessible on both my PCs and phone.
I actually use the notes app, and have a yubikey. For notes, I could just use the regular markdown editor, but I like way the app lays everything out. For the yubikey, NC by default uses yubikeys for passwordless login. I use an app which uses them for 2FA instead. I also use apps which allow me to view hashes and metadata from the files tab.
All that makes me not want to switch yet. We’ll get there eventually since none of the features I want are ultra complex or super uncommon.
OCIS, last I tested it (a while ago), also lacked the ability to right click files, requiring you to select it with the checkbox and then select the operation at the top of the screen. I sure hope that they’ve added that feature by now.