Can I delete my iCloud backup without losing any data?
I have an iPhone 14 with the basic free iCloud Storage of 5GB. The Size Bar shows 4.1GB of the 5GB in use. iCloud will no longer allow me to backup since it says that I lack space. I'd prefer to avoid paying for more space if possible. First do my Photos sync to iCloud and is there also a duplicate copy in my iCloud Backup? I've tried to look at Apple Support Documents in order to reduce the Backup size but I'm not getting it. I've gone to the iCloud Backup Manage and tried to turn off many apps that use the backup but it still says that I can't back it up. I believe that I only have one iCloud Backup for this iPhone 14. This is my only device. The existing Backup says 2.1GB the prediction shows 2.26+GB for a future Backup after I turned off many apps using the Backup. The Photo Library is showing 1.95GB. I'm concerned about turning that off if my Photos aren't saved elsewhere. Can I delete my only backup turn off iCloud Backup and back on to create a new smaller iCloud Backup that will get created under the 5GB? I want to be sure that I have a good iCloud Backup before upgrading my iOS to 18.1.1 or 18.2.
If I can't clean this up is the 50GB storage amount really only .99/month? No hidden fees or charges? Will Apple just automatically debit the .99/month from my listed payment method.
I appreciate any thoughts and help!
[Re-Titled by Moderator]
iPhone 14, iOS 17