[fcmk]

Do you have a local backup of those photos? Every now and then someone's Google Account gets mistakenly shut down by, I presume, some automated risk assessment process and they can have a really tough time contacting anybody to rectify the issue. I'd say you can use Google's services as tools, but not as the basket where you put all your eggs.

[nattaylor]

Dataloss/lockout is a great concern of mine and I am somewhat exposed. For DSLR photos, I persist them on disk, then upload to Google Photos. For smartphone, I periodically copy the new ones to disk. Then that disk is remotely backed up. However, I am exposed to losing all of my GPhotos meta data (primarily albums and captions) as well was the smartphone photos since my last manual backup.

I have accepted this tradeoff. It would be pretty devastating to loose all that organization, but its recreatable and the value I get out of Google Photos trumps that risk.