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Actually, the main reason I'm doing this is so we can switch away from our Verizon plan, which includes cloud storage. All the photos are there now, but Verizon has been fucking us over for like 10 years and I'm sick of paying for a bunch of bundle bullshit I don't use.
Noted, though cloud storage and cloud backup aren't the same. BackBlaze is $70/yr for unlimited backup. Regardless, the main point was just to make sure you're aware. Many people try to use an external drive as backup for data they really care about without realizing how vulnerable that setup can actually be. As long as you know, then anything after that is your call.