I've got the portable hard drive and the NAS, mikey, which automatically backs up everything from all my devices as I go.
The cloud is an extra back up for me, useful if I need to access anything from somebody else's device when I'm out and about. If everything fries in a fire it's still there, in the cloud, waiting to be download to new devices.
The first cloud storage I used, and still use, is Photobucket, long before 'the cloud' was a thing. Been using it years without a problem.