Hello again all,
I have mentioned this before in my posts, but if you're so inclined you might want to try an external box from Synology.
I use a Synology box called the DS216+II, I have it set-up on my network but you can use it as a USB device as well. While this will not allow you to have pictures on your iPhone or iPad, it will allow you to connect to it and view all of the images via Synology's application, Photo Station.
I have been using this solution for about 4 years now and it works perfectly. It allows folder and sub folders, and as someone who has tens of thousands of images it is a far superior product vs Photos.
And while I understand that some may not want to invest the extra $, in my humble opinion, it's better to invest it in a box for your home then on $ for Apple's iCloud, because who knows how long before Apple breaks iCloud as well.
I have attached a SS of how my folder structure is created, so I do hope that helps some of you out there determine if it's time for a change.
And finally, Synology's Tech-Support is awesome, real people, real solutions.
Good Luck All!