iCloud on a Mac with optimize photos off is the closest without encryption, but trash is 3-way sync with day limit and hence not a backup...
Jottacloud/Koofr/OneDrive have full featured desktop sync and infinite time trash locally but the mobile gallery is unpolished, no on-device AI search, and no encryption.
While other clouds allow 3rd-party clients, some hide and prevent the phone gallery from being synced offline when using the API. Using Rclone or others is complicated.
Synology NAS (with C2) and Ente seem to be the only ones to keep your photos portable and intact while having a true local backup, Ente being much easier to setup.