Everything you mention is why I just use Dropbox for everything, in addition to another local and offsite backup.
Obviously not a scalable solution for many, but I finally feel good about having access to my photos.
I only realised how much joy I get from being able to access my photos when I wasn't able to anymore. Back in ~2012, I lost several years worth when the hard-disk on my Acer laptop failed and I didn't keep any backups. Devastating. Backing up is something I learned the hard way.