Everyone should follow the 3 2 1 rule
3 total copies of your data
2 different media types (optical, tape, hard drives, SSD)
1 copy needs to be different location like the cloud
i use Google photos which is free
Amazon photos freeish. I have Prime so this is an added benefit.
I do backup locally to USB drives.
If you need office applications such as Excel Word, etc. Office 365 is good.