For me, I use a combination of things and I keep regular backups of everything. Photos: Google Photo Notes: Nextcloud +Joplin Documents and invoices: Google

For me, I use a combination of things and I keep regular backups of everything. Photos: Google Photo Notes: Nextcloud +Joplin Documents and invoices: Google Drive I didn't move photos and documents to Nextcloud because the features for viewing photos and editing documents are not as good as Google.