[darkwater]

OTOH if you get locked out of your BigG account and you don't have a backup elsewhere, you are screwed for good. So, I'd treat HW failures and account closures on the same level. You just have to think about the possibilities in your specific case: which HW are you willing to invest on VS how you are going to behave with your Google account.

[pjc50]

When my wife was having issues with OneDrive I built a small tool which used the API to back up all the files to an external drive, avoiding the OneDrive sync system entirely. Worked quite well. I imagine similar things might be useful for people wanting to back up other cloud accounts.

You can do a Google Takeout but that's huge and therefore painful to do frequently.