I’m not a fan of hoarding thousands of photos on my phone. I frequently delete old photos that no longer interest me.
So copying photos over to a computer for backup isn’t too much of a chore for me to do a couple times a year. I just use a file transfer app and send them to a folder on my Mac. The same could be done with a windows computer.
Only downside to that is you lose your phone album structure- have to recreate them on the computer if they’re important