It definitely has to be this. I was following your suggestion and when I got to where I turn off photo iCloud Photo Library it crashed - every time. Also, it let me turn off most of the other things but whenever I went back in (after crash or not) what I turned off was back on. I ended up doing the swipe close after I turned them all off. Then when I went back in only 2 came back on. So I left those.
I got my iPad as a gift and it is only 16gb. Which means I can only have a few games and not many photos. I constantly have to delete things. For such an expensive item it should not be like this. I refuse to pay for extra storage. I would rather buy a new iPad once the battery no longer charges. Which as we all know won't be too long from now...
I did the reset thing originally and a small quirk happened and it's not the first time. I play Candy Crush [gasp] and it wiped out all of my boosters. Odd that this happens after resets. It's the 2nd time it did it. It starts over new. It's linked to my FB which makes it even more strange. It came back on at my high level (1226) but acted like I was new. It started giving me tips again. I will no longer be playing since it's not that great a game anyway. I love Apple but they have the oddest things happen.