I don't know if I'm the worst person to reply or best since I co-founded SmugMug and own part of SmugMug and Flickr.
True confession time: I back up everything to Google Photos and pay for it. I don't want them to downres my stuff.
There are two reasons I use them: (1) they take everything from RAW files to the strange movie files I have. (2) their image recognition is the best.
If I search for Vilen I get this real photo that I didn't tag, it figured out who was in the photo through some kind of magic:
I also have a SmugMug site for the photos and videos I want to display and embed in sites like Cake and Adventure Rider. I have a ton of family videos there that the parents want there and not on YouTube so they can feel safe when their kids play them.