You're forgetting the last option, which myself and others use: d) encrypted offline backups that never touch iCloud I don't use iCloud for anything at all.

You're forgetting the last option, which myself and others use: d) encrypted offline backups that never touch iCloud I don't use iCloud for anything at all. Any sort of client-side scanner seriously compromises my privacy for no good reason. I am not a criminal. I don't deserve to be treated like one.