"I keep all my work on Google/Apple/Dropbox/Office" is really the new version of "I kept all my work on my hard drive and didn't back it up". All of these companies have shown repeatedly that they will cut off your access with no notice for any or no reason and with no recourse. Cloud backups used to be a smart thing to do. Now they are a liability.
All your eggs in 1 basket is never good. Local hard drive + a cloud provider should give you like 99.999999% reliability
Maybe a second cloud provider would also be good. I'm going to think about this.