OT but Apple is getting worse and worse in all aspects. I hate the fact that I am locked into their monopoly.
In the case of iCloud, for most people, it's probably a combination of convenience (no other tool is so well integrated with the OS) and cost (you can sorta replicate the combo of photos + files + vpn + fake emails, but it'll be more expensive and complex to maintain)
The latter is a huge reason companies strive to establish "platforms" and suites of connected apps - even if competition is cheaper/better in a vacuum, it still may not be worth the effort to switch if you're already established within an ecosystem. The goal is vendor lock-in even if they're not holding your data hostage (though they might do that too).
However, I do think that it has to mean something besides “there are no other good providers of a service”. Integrations, platforms, etc make sense as being “locked in”, but not “no one else provides the service”
To me, the key would be, “if you were starting from scratch and weren’t using any service at all, would you choose a different one than what you actually currently use?”
If the answer is “I would still choose the one I am using”, then I don’t think that is locked in.
If you don't want to self host (which has actually become quite simple with immich), you could switch providers (even if you want to avoid google).
Disclaimer: not touched a Samsung device in over a decade
Recently bought a 14TB HDD and downloaded my entire Dropbox, Google Photos, and Lightroom photos. Planning to set up an off-site copy as well, and will probably build out a proper NAS within a few years.