Blairh, I went as far as 5 GB would take me but after the release of iCloud Photo Library, I just couldn't turn it down, so I opted for the 50 GB plan for $1 and I'm happy I did, I don't have to worry about freeing up space for both of my iOS devices to backup and I don't have to worry as much about making sure all my data has been moved over. I understand if you don't want to go this route, but if you do, you don't have to worry about making sure your data is safe. Glad you got your issue all figured out.
5GB is not enough and you are always going to be jumping through hoops, deleting things and disabling things to get it to back up. When you have to do that iCloud back up is no longer convenient. Apple's plans are reasonably priced. I pay for the 200mb because I have several devices and I use iCloud photos and iCloud Drive. However even the 50GB plan is affordable and probably sufficient for most people.
My dad is a perfect example of this. He keeps moaning that his iPhone does not have enough iCloud storage space and won't back up but he refuses to pay for extra storage. A few weeks back he updated his iPad Air 2 to 9.3 but it got stuck in the process. He then tried to restore from back up but realised that he only had one very old iTunes back up from about 8 months ago. So then he complained that the update has messed up his iPad and he had lost all of his data.
I tried to tell him that a) had he paid for more iCloud storage he could have been doing regular iCloud backups and would have a had a more recent backup.
B) if he is refusing to purchase more iCloud storage then he needs to do regular iTunes back ups.
However he did not agree with either of these assessments and blamed Apple and said its all because he did the update OTA. It's not safe to do it OTA and that only an iTunes update will be safe.
I can understand some peoples reluctance to buy extra storage space to a certain extent but when it is causing so meat problems I don't think it's worth it. My dad's argument is that he doesn't think he should have to pay because he is getting all of this free storage from various different places. However I'd rather have all of my data together than scattered around various different cloud services so long as I also have it backed up physically elsewhere.