1) I would like to know how to turn off Photos so the guests can't see all of my photos.
You can turn off iCloud Photos for that device. Re-enabling that would require the password, which presumably the guests do not have. Settings﹥Users and Accounts﹥[default user]﹥[iCloud] Photos﹥Off.
2) I would like the guests to watch movies on Netflix, Amazon, & Peacock & movies I've purchased through Apple; however, I don't want the guests to be able to make changes or purchase anything.
Either guests will be using your profile (and mess up your watch history/recommendations), or they’ll be using the ‘kids’ profile, or you/they can add a profile for them specifically (Netflix, Amazon, not sure about Peacock).
To prevent purchases on this device, you can set it to require the account password each time, which presumably the guests do not have. Settings﹥Users and Accounts﹥[default user]﹥[require password] Purchases﹥Always.
3) Open to other suggestions you have for privacy...this is new to me.
VOD services are often not really suited for guest use. It’s all personal and account based.
