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Your bottleneck is simply network
I would agree, but I've read that certain solutions e.g. WebDAV won't even fully saturate that
where are you putting this
Would be in a UK office location with a good fibre line
This data will be accessed 50/50 in an office (I'm sat next to the disks, so I want it fast, and I'm used to a thunderbolt connection), and remotely (performance obviously limited by internet speed), I'm trying to figure out which solution gives me both.
Access anywhere in the world?
On that criteria it really doesn't matter what the storage is... spinning disks are fine, RAID a lot of HDD together in one of the larger Synology devices.
Your bottleneck is simply network... where are you putting this such that you could get anything closed to local Thunderbolt speeds? A home internet connection? Co-location?
The cost is almost exclusively to do with the internet connection as that dictates the entire expensive and feasibility.