I think we can write a big article on this.it drills down to 2 option
1. Upload all your photos to personal cloud such as google/apple/dropbox
2. Self host a similar cloud service such as photoprism (https://www.photoprism.app/)
Both have pros and cons and depending on your technical skills you can opt for option 2 of self hosting.
Option 1 will cost but privacy and getting locked out of account by company is big problem.
I personally use option 2 and feature wise its similar to big companies. let me know if you need more details about option 2.