Yes, we also use iCloud. Our monthly plans are 200GB for me and 2TB for my wife. The most obvious unfriendly point is it needs $$. However, I am fine to pay if it suits my needs. Unfortunately it does not.
Photo are synergized instantaneously, if you delete a photo in iphone, iCloud delete it too. Means you need to keep the ENTIRE photo Album in your phone (and also iCloud), which hence limited by my iphone storage if I want to keep the photo by original size at phone. I am using a 256GB iphone12 while my wife's is 512GB, we find it is quite bulky to have so so so many photo in the phone. We want to keep some old photo in another storage (i.e. HDD or computer) and free up space in iphone. Seems iCloud is not able to support.
Beside, it is nightmare to turn on the computer and let it download photo from iCloud.... it takes so so so long time.
By the way, I only used 4-5 hours to backup ALL my photo of 150GB by direct "copy and paste" when my photo was IOS14.6. It is also perfectly organized by monthly folders.
When I want to backup my wife's phone, we carelessly updated it to IOS14.7. I spend a whole week to backup by "Import" photo.... but only finished around 50% of it! This transfer way is very very unstable and the hardware are frequently hanged... How can these way be user friendly?