Looking at the list, perhaps moving documents off iCloud Drive (to where? Dropbox? That isn’t E2E is it?) and Notes is enough.
Do I really care if my photos are E2E encrypted? Most of my photos are in Lightroom cloud so those are not anyway.
I don’t use reminders or Freeform or voice memos, and I couldn’t care less about safari bookmarks. If I move off Drive and Notes, I don’t really care about iCloud backup either.
Is this sufficient? My notes will go to Obsidian (except some disposable shared ones) but where do I move my documents if not on iCloud Drive? Is Dropbox any better?