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Oh boy.
So myself (and others) use Nextcloud to back photos up to my self-hosted Nextcloud instance.
This creates it's own incremental backups on a backup drive on the same server as the actual installation. I also sync the files to another drive just using the Nextcloud sync client, and these can then be read cleanly by Immich, Photoprism, whatever else I'm running that day.
I sync the photos into a paid Ente plan that I got cheap paying for 2 years to get a 5 year plan in what they said was their last ever black friday sale. End to end encrypted but hosted by them.
I then have a borg backup of all files across all the Nextcloud accounts as well as all my other self hosted stuff. This is stored on a backup disk but is also synced to Backblaze B2 storage for offsite.
I then also burned all files to Mdisc 100GB disks including a duplicate copy stored offsite.
The photos and videos I have collected over my life are very important to me, as you might be able to tell.