Wow. This is a cautionary tale. I don't think I'd be as devastated as this poor chap, but as it grew I realize I've allowed my iCloud photo library to become a single copy. How are people handling this these days? If i wanted to ensure a full backup of everything on my iCloud to a NAS, what's the best way these days? Seems like they make it difficult by design..
Google and MS don’t charge as much as Apple for storage, and you probably need you need to pay beyond the free limits, but it’s not a huge expense.
Once your installed Google Photos and One Drive on your iPhone, just tell the apps to sync all your photos all the time!
Now I appreciate that isn’t for everyone.
But it works, is reliable, and requires no technical knowledge of running your own service.
The other thing to do is setup a Mac that synchs all your iCloud data, One Drive documents and Google Drive.
Then back up that device with Backblaze.
This gets expensive as a Mac with decent levels of storage isn’t cheap!
I live in fear everyday or my primary Apple and Google accounts getting locked!
I’ve had accounts since day one of iTools and very shortly after Gmail launched….