I agree with this and notes is what I use - apple notes with cloud sync, especially on the phone. Every now and then, I move it all out of notes into standalone text files in a directory tree in Dropbox.

Why?

Because several times now I've lost notes due to Apple's cloud "sync." On a few occasions, the note turned up in the trash (with no action on my part) or simply disappeared.

Putting aside the spontaneous deletes, one thing that seems to more frequently push things into the trash is editing the same note on more than once device - the handling of this on the icloud backend appears to be "hell, just delete it."

edit: I should note that this spontaneous delete thing was more common a year ago, but then again, I've dramatically reduced the number of notes I maintain, now down to like 30 or so as opposed to the hundred+ I used to keep.