Why not offer an export to S3 or Drop Box or Etc... feature so to avoid this fear? I agree - not going to pay unless some back up (locally or otherwise) option is offered to mitigate this risk.
(Everpix founder here) Just to be clear, we certainly allow users to re-download photos in full-resolution and with all their metadata, but in batches from various places in www.everpix.com, not as a single gigantic multi-gigabytes ZIP archive (for technical reasons you can imagine but we are working on it).