This is how I store my photos and videos.
I never enable iCloud Photos since whatever is deleted locally also gets deleted from iCloud.
I manually upload them to OneDrive since I have a Microsoft 365 subscription. Live Photos that are saved to OneDrive are still Live Photos when downloaded back to the iPhone or iPad. I don't know about Google Photos now since my previous Live Photos uploads are converted to just static photos.
I also manually AirDrop HEIC, and MOV from the iPhone to my MacBook Pro. For DNG and JPEG, I just use
Send Anywhere to transfer wirelessly to my Windows computer. Once the photos and videos are saved, I copy them over to an external storage.