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At least do a google takeout backup. I believe there are ways to import that into software like immich (a self hosted alternative)

Set up a NAS and use a self-hosted equivalent like Immich. Then you aren't dependent on anyone.

Immich. https://immich.app/

They have their issues, but they are actively working on it.

It's good you're realising it now, before you lose the lot as has happened to others.

Shutterfly will upload all your photos and store them for free if you buy a few magnets on sale now and then. Works from iPhone well enough and it's my "third backup."

Shutterfly will also continually spam you despite clicking the unsubscribe button multiple times.