I'm looking for a new safer and less time consuming photos management and back-up solution. I currently keep photos library on external and 2x a year download recent photos/videos off my wife and my devices and then adding to master file and deleting from photo. I'm considering moving to iCloud to automate this process, benefit from cloud security, and advantage of viewing all my historical photos and videos on iPhone. From what I can tell, my wife and I can't have separate Apple accounts and take our own photos/videos that will then automatically sync back to 1 master photos library in iCloud thereby removing external? Am I thinking about this the right way and what's the best way to accomplish?