Just mentioning that now I went all-in with iCloud products and bought some storage for me and my wife. I would define it as good enough, although sometimes Photos performance is really a pain in the butt, but maybe I need to upgrade my Late 2013 MacBook Pro. And by upgrade I mean buy a new one, because that’s how it works with Apple.
I really wished to have more options with Apple, but I learned that I can be a little happier if I don’t care so much about some silly stuff. Simplicity! That totally changed my life.