Coordinate Family Sharing to share apps by one person with iCloud of another person

Thank you for trying to help, but I had a more specific question. I know how to set up Family Sharing and share apps. The issue is that my wife has an iCloud subscription with large storage to store photos. So we set up Family Sharing with her as the organizer, so I can share her large iCloud Drive. However, I tend to purchase the Apple Store apps. She now wants to access my apps, but cannot because she is the organizer, not me. We don’t understand why Apple insists that Family Sharing does not actually allow sharing, since it seems to require that all apps and subscriptions have to be purchased by only one person. In any case with this limitation, we are trying to figure out how to coordinate our apps and the iCloud subscription. We know we can change (once every 90 days) to me as the organizer, so my wife can get access to the purchased apps, but I think the shared iCloud subscription would be broken (separated). I might lose some stored files. Even if I do not immediately lose files, it seems like I would then have to buy a separate iCloud subscription, which undermines the purpose of having Family Sharing. The biggest issue is what exactly would happen if I took these steps (Changed me to organizer and purchase iCloud subscription) if we then tried to stop my wife’s iCloud subscription and have her share with my new subscription? The critical issue is that we do not want to lose her large collection of iCloud photos during this transition between me sharing her drive to her sharing my drive. What are the exact sequence of steps should I take?