On the other hand I’ve had many dozens of declined/replaced/expired credit cards. Some have glitched online transactions.
I have also been laid up sick and recovered from surgery. Eventually I will die. Maybe my online accounts will be continuously maintained. Maybe not.
The shoebox of pictures will still be there in the closet even if I stopped thinking about it many years before. And it will be easy for someone to know what it is. A bill for $10/month is the kind of thing executors get rid of.
The cloud is great for access. But it is fragile. In the end it’s all Geocities, just at scale.
Random shoe boxes of thousands of photos will get chucked by the executors - no one has time to go through them
No one cares
So ... if you're only worried about them maybe surviving your passing, don't worry: they're all going to the great dustbin in the sky (or in the front yard)
Nothing critical has to happen next month and every month thereafter. There's no financial tradeoff to be considered. No need to doom scroll at a computer.
And if there is something that speaks to them, they can hang it on the wall. If you don't print, you don't really care that much about the pictures anyway. There's nothing wrong with that, making pictures is fun.
Now you move to image degradation, risk of loss to fire, water, etc