>>>or you're one of those foolish people who don't back-up their photos to their computer
If you set up your phone correctly (like say in Android) your photos are backed automatically to Google Photos so you don't need to do anything. Log on to Google Photos on your PC, using the same email address as you do on your phone, and all your photos should be there. If not just change the settings on the Photos app on your phone to backup automatically.
I assume Apple phones have a similar setup.