Yes, i have iCloud turned on in Photos on my phone. I also have phots turned on for my Mac in iCloud settings. However, under preferences iCloud is not checked, but shaded behind the icon for "Download originals to Mac" is checked. If I remember correctly, I was told to do this because I was running out of storage room on my phone, but didn't want to permanently delete photos in my full library if I deleted on a phone.
Something clearly changed within the last 2 months which is when I last downloaded photos from my phone by connecting the phone to my computer and selected download all new photos. I am now not seeing any new photos, but my wife's phone shows the new photos.
Your comments on creating a new photo library freighter me as I want one are (on my computer) where I know that I have all my photos. Those are then backed up to the cloud with amazon and google. However, I want to have those photos contain, my phones, my wife's phone and my cannon photos all stored together on my Mac.