iCloud works well as an intermediary between your phone and computer...you can take a lot of pictures, and then download them without connecting anything. You then delete them and you're ready for more.
Someone storing 100k photos in the cloud tells me they don't computer, they Apple.
I run immich at home and have the app on my phone. It auto-sync's all pictures/videos/etc to my local system any time I am on wifi (I can have it work over Cell/VPN I just have not set that up). immich has a built in face req system with tagging, exif data reading (map pictures if GPS data is included) etc...
It works great. I can search for random things like "coffee cup" or "cat" and I get all relevant images. I am considering working on a way for my extended family to have accounts on the system too so they can get away from google/crApple.
That's a good solution, but certainly requires some technical chops.
iCloud consoomers don't even seem to have the basic skills needed to download and store locally. Hard drive space iswas relatively cheap up until not that long ago, there's no excuse for not having a couple of drives for your "photos you can't lose" that you rotate around.
I agree. I do have it running on my TrueNAS scale server so it requires nearly zero effort to manage but what I consider "basically zero effort" a random non-technical person may consider it like setting up a datacenter. o.0