Suggestion/what I have been practising for the past 20 years:
Get your own domain "lastname.com" or "somethig.com", get it from someone who will give you 1GB catch-all mailbox.
My setup is:
Windows, MS Outlook. The emails go to the 1GB mailbox, I can access them over my phone. Once I fire up Outlook, they are siphoned down and live on my Outlook forever. My emails are around 5-6GB of .pst file(s). I backup my whole disk in two manners: selected files and folders of my C and D drives on Carbonite, and one massive (80GB) Acronis .tib file (clone of my C: - SDD) again on Carbonite. My Carbonite "footprint" is well over 1.5TB.
So my backup is 3-2-1.
3 places: local disk, external drive, Carbonite (not affiliated)(I just love their unlimited storage and ability to encrypt pre-transmit)
2 different physical locations: home/on the move & Carbonite cloud
1 online: Carbonite (nice and encrypted).
I keep some gmail accounts handy, a couple of hotmail accounts, but EVERYTHING forwards to my mail mailbox. These accounts are used for things I don't want to have a real name-surname (like a silly game or other 'stuffs'). I won't cry if I lose them.
I have been operating like this for 20 years. I do have the cost of the domain name and mailbox service, but the cost is nothing to the pain one gets of losing access to ALL the stuff from the "free service".
I do NOT use any of the Google/MS-Hotmail ecosystem, no "online drives". This setup works for me. Perhaps it may work for you/your lifestyle, perhaps not. Just putting it out there to show that one can have a perfect IT lifestyle without using any of the "free" stuff.
Edit: I am not affiliated to any of the companies mentioned above (MS, Carbonite, Google). I just made the decision 20 years ago to stay away from them (incl. Dropbox, Microsoft free or paid storage), and keep everything offline/on me, and of course accepting the risks that come with it (house burning down, burning a CD/DVD as backup method back-in-the-day), etc.