Can you make do with storing only 50 GB? That's $0.99/month from Apple. Can you make do with storing only 200 GB? That's $2.99/month from Apple.
No extra charge to get your data out.
The point is that for individuals it might make more sense to consider "friendlier" storage options. These types of services don't seem to be tailored to storing "family albums".
Agreed. But I wouldn't trust Apple with my data; iCloud has lost some of my iWork files and has failed to sync important Apple Notes when changing phones. This was during the start of iCloud, so reliability might be better now.
No extra charge to get your data out.
The point is that for individuals it might make more sense to consider "friendlier" storage options. These types of services don't seem to be tailored to storing "family albums".
https://support.apple.com/en-us/HT201238