I use Google Photos and once a year I do a Google takeout to a hard drive and put that drive somewhere safe.

I tweeted about this a while back and several people had good replies: https://twitter.com/aarondfrancis/status/1445408384472211464

For context, this was after facebook was down for a day. I think the odds of Google deleting all my photos is pretty low, but the odds of me losing access to my Google account for legitimate or non-legitimate reasons is much higher.