I guess I’m old school and always backed up locally using iTunes before there was an iCloud….when 64gb was the max phone size. Now as we have 512gb phones doing local backups is almost impossible on say a 500gb Mac.
I started looking and saw the $9.99 2Tb iCloud storage. Does a restore from there work the same way as a local restore when you get a new phone? Apps, settings, etc? You all trust your data out there? I know Apple praises their security, but “the fappening” was a big deal.
Technically, I don't back up at all…I don't need to.
Email: IMAP - all accounts. Everything sits on the IMAP server.
Contacts: Google, stored on Google.
Calendars: Google, stored on Google.
Photos/Videos: Automatic upload to Dropbox. I have 3TB with Dropbox. I pay for this, but not because of iPhone. I store all my Mac backups in Dropbox (sparse disk images). Periodically, the Camera Uploads folder is dumped to a local hard drive…which is backed up to Dropbox. Also, Google One, which I have, backs up my photos/videos too.
Messages: iMessages are on iCloud, SMS is with the provider/iPhone. The thing here is that I really don't give a s**t about backing this stuff up. NOTHING that has ANY importance/sensitivity is discussed via messaging. It is discussed face to face in person with those involved. Or a phone call is made to that person. Any important photos sent back and forth are saved to the device and then…automatically uploaded to Dropbox.
App Data: All app data is turned off for iCloud backup, except for a few apps. I don't use many apps, but I can always reinstall.
I do use iCloud backup, but that's mainly to make it easy to put back the apps that are on my phone as well as iOS settings. Right now I'm at about 2.5GB of the 5GB free storage Apple gives you. That's mainly because of iMessage.
I could lose everything on my iPhone (except for messages) and put it all back just by reconnecting to my services (Google/Dropbox). I do not use iCloud photos or their file system. Again, I don't care about messages.