I’m comfortable with the tech but want a solution my wife (non tech) can use independently.
I also need a cost-effective way to archive mobile photos since Google Photos feels expensive.
Any suggestions?
It's only $10/mo for 2 TB of storage, or less if you pay annually. Sure, that's a bit more expensive than buying cheap cloud storage, but you know how much I've had to support my non-techie GF over the years? Pretty much zero. That peace of mind and "just works" is easily worth the few dollars.
Now, if you have many many terabytes of files, that's a different story... maybe put YOUR stuff in cold storage (in the cloud I mean) and just keep the shared photos and such in Photos?