yes, the economics, and ease of use, of google/apple cloud storage is unmatched

and yes, most people willing to endeavor into the area are hobbyist, with all that entails

however, reading even one story of someone losing access to their cloud photos for xyz reason, is enough to decide that you ought to have some mechanism in place to ensure ownership of your data

I just sync down everything from my wife/kids’ Google Drive/Dropbox/whatever nightly to my NAS. Usability of a cloud solution, but with on-prem backup.