Hi.
My experience level: I've installed things like wordpress, dokuwiki, owncloud, and such, via Softaculous and Mojo, and have tinkered with html and css. I feel like I have achieved some measure of success in customizing and using those installed apps too. But Javascript be deep and scary water. Depending on your perspective, I'd put myself between the middle of the beginner class for coding/programing/scripting, and the middle of the intermediate class for general computer and internet stuff. I'm certainly no software hacker, though, on occasion, I can do some serious copy/pasting after some hard googling.
I've used Box, Sugarsync, DropBox, Google Drive, Whatever-Microsoft's-cloud-is-called-right-now, and Evernote, but REALLY like the idea of having all of my cloud stuff in ONE place, under MY control. (Though, maybe this is too much to ask for at my user level).
So, Is Cozycloud for me? Perusing the website, I didn't really get a feel for what the user interface would be like, nor how difficult it would be to set it up on my shared hosting plan on, say, Namecheap or Bluehost. I personally haven't actually spent much time experimenting with owncloud yet either, because I found cozycloud and onecloud around the same time.
Thanks in advance!
-Leo