IMO, pick your battles. I’m happy to pay £0.79 to backup all my photos, and £5/m for decent email.
I’ve self hosted before. It’s too much stress for me.
I agree. There's so much peace of mind in having my photos uploaded to the cloud every so often, and my phone automatically backed up every night.
It's possible to go further: iCloud on Windows is able to automatically download the actual files, so those get backed up somewhere else.
Do you just back up the `Photos Library.photoslibrary` folder?
This feels like a good opportunity to reflect on the Apple Watch, and security around contactless payments.
Try taking off your apple watch, but keeping your fingers pressed against the back of the watch as you do. If you time it right (it's really not difficult to time it right), you can take off someone's watch and place it on your own wrist, without triggering the lock.
If you have a debit or credit card associated with your watch, you're now at risk of a supposedly authenticated card payment occurring.
(I removed all my cards from my Apple Watch S3 when I realised this vulnerability)
Apple Watches are much lighter too, so it’s harder to notice when it goes away.
That's yet to be determined. If someone takes my credit card, the most that they can do is 3x £45 transactions (unauthenticated contactless limit).
If they are able to perform PIN authenticated transactions with my credit card, I'm going to be facing an uphill battle, as the onus is on the consumer to protect their PIN.
Equally, contactless transactions via Apple Watch or iPhone are supposed to be authenticated transactions via PIN / biometrics, which is likely to result in the same uphill battle.
EDIT: I've ignored the comparison to Rolexes, as the topic is about the risk of credit card fraud, not about the risk of theft of physical belongings. If we're talking about the risk of theft of physical belongings, then yes, the risk is lower for an Apple Watch than a Rolex, because a Rolex is (by market value) generally worth more, and in some cases can command more on the secondary market than new, unlike an Apple Watch (so far)
I only have credit cards linked to my Apple Wallet - if there's a transaction I don't recognise then I'll just call them and cancel it.
You can get your money back, but it's not particularly straight forward.
sidenote: Apple Pay is being blocked by major Norwegian banks because Apple refuses to let banks create competitor payment app with NFC.
We have regulations in the EU that will prevent that from occurring. I can't speak for other places, but payments is heavily regulated EU-wide, with caps on the fees that card processors can charge.