And that is why you don't put all your eggs in only one basket.
I have OneDrive and still do backups to my SSD external drives about every month or so.
(I use iCloud only for my iPhone and iPad).
Unfortunately thats not how the bug played out. I took a load of photos with light room where there was no signal.
Upon data resuming, I was logged out, asked to log back in, couldn't, I then spoke to Adobe support who set me up a new account, the result being all the photos were gone. Its happened twice now.