One of my hobbies is photography. I take lots of photos. With a variety of cameras. Including my iPhone.
I keep almost none of them on my iPhone. I do not use Photos on my Mac.
My workflow is that I take the photos, off load them to my Mac (you may have seen my Photo Ingest Bunch 
). Review them and delate most, keep only the best. And then save them to multiple places:
- Local working drive.
- Local backup drive.
- Backblaze.
And finally I have a SmugMug account where I upload those I want to have available via the web and share with others.
I have a basic SmugMug account, $75 per year. I just checked and I have over 12 thousand images and videos uploaded to my SmugMug account. I’ve been using them since they started and am very happy with the service.
Good luck whatever you decide.