Since I am also an avid DSLR photographer, the first decision I made was to use Adobe Lightroom (Classic) as the "single source of truth" to manage all our photos.
This means obviously importing all photos taken via my DSLR into Lightroom, but also syncing all photos taken on our iPhones via the Lightroom Mobile App.
Lightroom Classic keeps all the (compressed) photos in the Adobe cloud for easy sharing and browsing, but also writes them out (unaltered) to a directory on my Local NAS.
This NAS gets automatically backed up via Arq Backup (https://www.arqbackup.com) to an encrypted Amazon S3 bucket. Additionally, once or twice a year I create a versioned copy of the NAS via Carbon Copy Cloner (https://bombich.com/) to an external hard drive. This hard drive is stored offsite somewhere safe.
In a nutshell, for around $12 a month + a NAS + a hard drive, we have all the convenience of the Adobe Lightroom cloud combined with a local copy on the NAS, a cloud copy on S3 (in case Lightroom cloud gets corrupted) and an offsite copy (in case our place and the whole internet burns down :-)).
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