Just use Nextcloud then, your own drives on your home, but no risk of losing pictures if your phone is lost/stolen/broken between backups. Can also automate the encrypted offsite thing.
I have more time than money. My way is more manual, but doesn’t cost anything (beyond the backup cost, which is fairly cheap). There were some free providers for home users, but the amounts were way too low. I currently have 2.5 Terabytes of photos and videos. The free providers were all less than 10gb. Laughably low.