Thank you -- so an email from iCloud says I have a version of the photos my phone, but not the original full resolution photos.
I am including part of this email below -- I got it because I disabled photo backup to iCloud because I only have 5gb storage and don't want to have to buy more. The email says:
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iCloud Photos has been disabled on all your devices and new photos and videos are no longer uploading to iCloud. There are currently 602 photos and 25 videos in your iCloud Photos.
Original format, full resolution versions of your photos and videos are not stored on your devices. You must download your full resolution photos and videos to at least one device before they are deleted from iCloud Photos in 30 days.
To download your photos and videos to an iPhone, iPad or iPod touch with iOS 8 or later:
1.Connect to a power source and Wi-Fi.
2.Go to settings, tap on your account, tap iCloud, and then select Photos.
3.Tap Download and Keep Originals. <--- HOWEVER THERE ACTUALLY IS NO OPTION TO DO THIS ON MY 2022 IPHONE SE. That's why I wrote in here, to see if anyone knows the real directions.
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Hopefully including this email makes my question more clear. Thank you so much!