Wow. I’ve only just started testing it against GP, but it’s really slick and works really well. Lots more fine control than GP, and the only thing that isn’t quite as good is the photo editing on the app and web site, and that is on the roadmap. Oh, and I can’t see how to set up TLS but I might just be missing something.
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I use SyncThing to monitor and copy my photos to an (encrypted, offsite) drive.
Always have at least 3 copies of any important data. Follow the 3-2-1 rule.
Data loss can happen due to so many reasons, the only safe option is reliable and tested backups.
To expand on the 3-2-1 rule for the uninitiated:
3 total copies
2 onsite, using dissimilar media
1 offsite, for disaster recovery
Raid and off-site backup.
Or trust in a hosting provider that has backups and redundancy.