I've been getting mine as a large-ish (16GiB) TGZ type file for many years.

Hmm, which part fails? Works great for me. You can schedule it to happen every 2 months for a year. And so every 2 months I get an email with links to 7 or so 50GB .tgz files. They download very quickly with no throttling and fully saturate my 1Gbs connection.

Try fetching only your photos in one archive, your Gmail in a separate archive, and then everything else in a third.

If you have "too many" Google photos and that archive fails, create albums for every year, and only download a year/album at a time. It's a huge PITA, but at least you'll get your stuff back. (Kinda: depending on how you uploaded your photos, the metadata may come back truncated or altered).

I have Nextcloud running on a Raspberry PI along with a dozen other services on yunohost.org. Nextcloud automatically backs up my family's contacts, calendars, notes, tasks, photos, files, passwords, bookmarks, phone locations and more. If you want to backup the APK's check out Seedvault. I am personally fine manually reinstalling APK's if/when needed so have not tried Seedvault yet.

You need root to backup all app data:

Neo Backup - Currently maintained, and available on fdroid.

Titanium backup and restore - I don't think it is still maintained, but it still works.

Seedvault which does not require root can't backup a lot of things.

Depending on your phone, you may be able to backup everything with twrp, but it doesn't work with some new-ish phones.

Automating daily Google Takeout requests is exactly the sort of behaviour that I fear would trigger an account ban at some indeterminate future date. There are just too many unknown unknowns for me with Google now. Their ecosystem is, and has been for a while, personally relegated to burner account status.

I doubt that you can do this daily -- I don't think Takeout can work differentially.

Monthly or annual downloads though, can be scheduled manually simply by putting a note on your calendar.

If an account goes down, the thing you'll miss most may not be the recent things, but rather the many years of archives you might have in a Google account.