I know it seems like I am continually beating a dead horse here, but I am really just trying to understand the thinking on ML.
So, I've decide to go to the dark side, and store all my stuff in the cloud.
That makes me nervous. What if my account gets hacked? What if somehow MS, Apple, or Google crash and lose my stuff? Etc., etc., etc..
I have an iPhone and an iPad, and a Mac. (And a PC.) Anyway, I thought ... hey let's just use iCloud and store everything there. That is a good start. No need for backups of my device on my computer anymore,. and all my photos/etc will be online and protected.
Well, in their very own documentation, Apple says:
Do I need a Backup?
iCloud Photo Library stores all of your original photos and videos in iCloud, but we always recommend you keep back up copies of your Library. You can download your photos and videos from iCloud to your computer and store them as a separate library, transfer them to your computer with iTunes, or store them on a separate drive.
So if my point is protecting data (as opposed to ease of access), how does this help me?
Same with iCloud backups of the device. I have had issues where something did not work, and the iPhone did a fresh backup once changes were made, thus wiping out the good backup. When I work with an Apple device, I always make a backup of the Apple backup folder. Because it's happened to me many times.
Again, not trying to argumentative. Just trying to fully under the logic.