Take care with iCloud as it's just a syncing tool, not a backup one. You should probably have timestamped backups in some (encrypted) drives or other online storage.
I honestly have never looked at them again. If iCloud loses them, that's life. I just don't care enough to be bothered. Data storage isn't a hobby of mine.
I don't like having my data in the cloud. I just use syncthing for now for backups, but setting up a proper NAS and improving my backup strategy is on my todo list.
Isn't it easier to just like having your data in the cloud and not spend your time on setting up a proper NAS and improving your backup strategy? Or is it more that you find that kind of tinkering fun and a good use of your time?
Cloud is good enough for millions of people. What makes you different?