Earlier quoted context omitted.
Since we’re talking about it: anyone backing up their iCloud photos? If so, how?
Amazing question with nobody really answering your question 100%. The answer is : it's hard. If you only have a iphone and more photos on your icloud than can fit on your phone, you're kinda screwed if you don't know what you're doing. AFAIK Apple makes it very difficult to get all your icloud photos bulk downloaded, original quality off icloud. Google is no better. It's much easier to start backing up from the begin…
If you have a Mac with sufficient storage, you can just enable iCloud to store photos locally, then export them. That could miss some data (I think descriptions you set for a photo were not exported the last time I checked), but it is most of the data.