liliafromfullerton wrote:
Unfortunately, because I had all of my work documents on an external drive (and not on the cloud as I should have, I know!) I had to seek a recovery service, on my dime, and am still waiting for it! Frustrated indeed!!
FYI, you could have performed a clean install of macOS Big Sur by first erasing the drive before re-installing macOS and restoring from a backup made before the upgrade to Monterey. Your external drive would now work and your files would be accessible. No extra cost except the time involved.
If you wouldn't want to revert the internal drive, another option would be to purchase another external drive and install macOS Big Sur to the new external drive. While it is awkward having to boot from an external drive, it is the least disruptive option until Apple fixes the issue. At most this option costs the price of one USB3 drive which you can later re-purpose later on.
The "cloud" has its own risks as well. The data stored in the cloud can become inaccessible for a number of reasons plus the data stored in the cloud is always at risk from attackers and the whims of the cloud storage provider changing the rules.
You should always have frequent and regular backups of your computer and all external media which contains important & unique data.