Re Veracrypt / Cryptomator comparison. Please be aware that I’m not a tech or any kind of expert. Hopefully someone else will improve or correct my answer!
I think the two are possibly complimentary. Veracrypt is a way of securing local files and Cryptomator is geared at encrypting stuff in the cloud.
There are reasons for doing both so I would consider using Veracrypt (or an alternative) to encrypt locally and then put your cloud volumes including the Cryptomator volumes inside the Veracrypt disk or container.
It would be great to get some expert input to confirm that is (or is not) a viable approach.