The good thing about Apple is they make it as idiot proof as possible, that's why I use there shit-I know its not the best but it does what I need without much fluffing around.
Cloud storage needs to be secure and stable if you want long term storage-Apple will do this as well as anyone, and while there is a cost there would also be a cost for any other worthwhile competition.
It also pays to back up on a hard drive just in case-we have one that does it automatically whenever our devices are charging and on our home wifi, don't even have to think about it
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