Unable to accept iCloud Terms and Conditions on my iPad Pro

I have both an iPad Pro with version iOS 17.7.1 software and iPhone 15Pro with the same. I cannot accept the new terms and conditions because I keep getting the reply that the Action Cannot Be Completed at This Time. I’ve read various posts where others are having the same issue. Some say they updated their software to 18.1.1 and they were able to accept the new terms and conditions and some said they still couldn’t. To complicate this issue, I haven’t updated because I’ve read many posts and an article that mentions how many people didn’t like the way the their photos have been moved around and changed with the new update. My husband showed me what he did about this in his iPhone 16 Pro. But I’m a photographer and I teach photography and how I keep my albums and in what order are very important to me. So these are my issues. I’ve been using an iPhone since 2010 - my first being the iPhone 4s, and I have ALWAYS done the software updates when they are requested. Since so many long term iPhone and iPad users are very disappointed with the way Apple has reorganized the Photos App, is it possible to be able to go back to the way the Photos app looked? And then I and many others can do the update and Apple will keep us all happy! 

[Re-Titled by Moderator]