Since switching to google photos I haven't had ONE single tech support request from my wife. That's priceless to me and worth the $100/yr alone lol
1) Apple Photos -- obviously only works on macOS/iOS devices (although not only with photos created by their devices -- I imported everything from way before ever getting an iPhone, for example), but it's damn near flawless in my opinion, and even creates nice little presentation slideshow/videos called "memories" all on it's own, about one a day (highlighting specific people, events, or places).
2) A Synology NAS using their PhotoStation package + their mobile/desktop uploader apps (or PhotoSync on mobile, which is a bit more rock solid). Face recognition isn't as good as Apple/Google, and there's no automated AI stuff like Apple/Google either, but it works much better than I honestly expected, and I have no complaints from my mostly-tech-clueless family. Plus you own the hardware.
I ended up opting for both.