How do you know when the right time is, to create a new Apple ID on a new device?

I'm not a very important person, So I don't have anything significant to save as far as phone data goes. I have lost a lot. And also lost a lot of precious tangible things in life and that definitely goes for phones too. Whether they are stolen or lost? The fact remains that I have lost so many pictures, videos, saved content and even a ton of my writing. Stories from my life, poems, diary entries, letters, and even songs I've written. I didn't always know about backing up to iCloud once I first started purchasing apple phones. I learned the hard way. So I've had a few different iPhones since the last time one of my iPhone 5c's was stolen in 2015, pictures and all, and I had not discovered "Find my iPhone" yet (not that I ever have luck with that one. They just sell my phone for parts, I guess), so it was once again, sayonara to my memories. Since then I've been smart about backing up data. However with a different and final iPhone 5c I owned from 2016-2017, I had so much data that my iCloud storage finally became full. I was constantly erasing pics whenever the notification came up. But then, erasing pics of myself and dumb memes wasn't enough. And I began erasing mostly all of my 82 horoscope apps (not kidding). Storage just wouldn't stop getting full, and finally it wasn't allowing me to update my iOS anymore. I contacted Apple tons of times because I purchased extra storage more than once, was successfully charged, and my iCloud was not reflecting this. I have had the worse luck with Apple chat, and though I contacted many different tech support agents. My issue was never resolved. So I went on with just being ok with the fact that I would be able to back everything up to my computer, whenever I was ready. Even asking for help with that, was a nightmare. So I figured I would just google it when the time was right. Little did I know my phone screen would get destroyed the one day I didn't have a case on it. I went to get the screen replaced with an outside vendor. It was very cheap, as the girl knows me. It turns out my phone still wouldn't turn on even with the brand new screen. To this day, I have no idea what happened. So I got the iPhone 7 in 2017 September. I went into Verizon and asked them if they could transfer my files from the iPhone 5C to the iPhone 7 which had a CRAP TON of storage on the phone alone, which would be fine until I could figure out what the **** was going on with my iPhone storage. Verizon said definitely not, because the phone needed to be on, which it could have been, but we didn't know because there was no light or image or anything on brand new screen. I still have the phone somewhere, with the pictures and what not that was left on that. I wanted whatever I had on my iCloud to be loaded back up onto my iPhone 7. So naturally, I went and signed in with my original Apple ID. Little? Did I know, not even 2 months later, in this God forsaken town, my iPhone 7 would stolen from the same exact store from which my iPhone 5C was stolen, 2 years prior. Lost what didn't end up uploading onto a drop box. My point in mentioning all of this is to let you guys know how many times I've lost pictures and all that stuff that I mentioned before, and also so that you might understand that I've lost a lot of memories, also, in part, due to my carelessness sometimes. Nevertheless, I've come to expect that I need to constantly be synching to a bigger cloud if I decide to keep this cursed Apple ID, because this whole iCloud situation is a freaking disaster, and I can't kept being charged once for the storage, expecting to be able to allow my current little iPhone 4s to be able to breathe, and to download the necessary updates when needed so that I can potentially receive proper help next time there is an issue - only to never receive the extra space, physically (so to speak), only in the settings does it show the free space. So, I've been googling when is the right time to just say "eff it!", and get all the chaos away from you and unnecessary stressers, and just start brand new? My iPhone 4s and I will be patiently awaiting your response. Thank you, kindly for actually hearing me, listening. That's quite a feat, espesh cause I have word vomit when I am blessed with someone with an ear to listen to me. Thank yoooooou!!!!