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My concern is the hundreds of GB of photos I have saved with Google and Apple. I assume one day I will wake up and find I've lost access to them with no recourse, which means backing them up on a large hard drive is my only real option, exactly like 2010.

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Nothing 2010 about it, 3-2-1 backup, you shouldn't be relying on any cloud provider holding your only copy.

This is true, but in any event I feel it's more likely I'll lose access to my Google account than that Google will suffer a storage failure and lose my photos. I didn't have a laptop or desktop for a few years, which makes having my own backups a lot more difficult, but at this point I should probably take care of it.

There are other options. You can use something like rclone to make multiple copies across cloud storage providers. You could also rent some cheap cloud storage like Backblaze B2 and use a backup software like restic.

Interesting ideas. Thanks for the suggestions.

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