Right, that's the kind of issues I am concerned about.

iCloud / Google Photos just don't have that, they really never lose a photo. It's very difficult for me to convince my family to move to something that may lose their data, when iCloud / Google Photos works and is really not that expensive.

It has gotten more stable as I have used it for a while. I think if you want to do it, just wait until it is stable and you have a good backup routine before relying on it.