Am I doing the math wrong or is this $4/mo for me to dump 1TB of copies of my family albums and whatnot into for long term cold storage?
No extra charge to get your data out.
The point is that for individuals it might make more sense to consider "friendlier" storage options. These types of services don't seem to be tailored to storing "family albums".
Of note we are not cold storage: you can get your data back instantly whenever you want it.