Any particular examples you have in mind?

All of the options outside of the big ones (iCloud, Google Drive, OneDrive) seem vastly more fiddly and difficult to share with non-technical people. e.x. sharing a budget spreadsheet with my wife, shared photo albums, and so on.

If there are other options out there that work as well as iCloud or Google Drive, I'd love to learn about them.

The best I've been able to land on is making a local copy of the data under my absolute control, while using one of the top tier providers for my "live" copy.