I have been using ente for around two years now and it has been working well. It’s not perfect, but has been improving quickly. Your photos are end-to-end encrypted so you are the only one who can access them. The app is also open source and available on F-Droid which is awesome. The prices aren’t the best, but privacy isn’t free. You either need to pay for it, or put the time and effort into hosting it yourself like Immich or Nextcloud. Ente does have a 1 year free trial with 1GB of storage to test it out.

Edit: After rereading your post, I saw you wanted general cloud storage as well. Maybe give Filen a try. It is also end-to-end encrypted and open source. It doesn’t have any photo specific features like albums since it is a generic cloud storage service, but it does have a photos tab to view your uploaded photos.