I have a Synology's NAS for almost 9 years now. It has 2 4TB disks in Raid (SHR). Also I have a external 4TB HDD with a copy of everything in the NAS. The system is extremely reliable. I don't know if I'm lucky, but the first HDD took almost 7 years to brake. I simply replaced it and the system is still working 24x7x365.

As I have the MS Office subscription, the cellphone photos are also backed up in the OneDrive.