I download images from my cameras to some external drives at home, followed by downloading images from the external drives to the computer. Then I upload from the computer to smugmug and some of those get uploaded to RFF. I should be covered.
I do what Raid does. (Smart fella!)
😉
I use Flickr and Smugmug to get collections of photos to clients for them to download. They are not, generally, for publication and I doubt that they are being stolen for general use. They are too event-specific, I think.
Ironically, I was (five minutes) ago, noodling between Lightroom CC and Lightroom Classic. I have a new laptop, which is finally powerful enough to do some editing and sorting when I travel. This is a huge bonus. But my general practice is to keep historical stuff backed up on HDD's and a master backup(s) in a safety deposit box. I don't do this because I think anyone will be interested in the pictures when I am gone. I do this because my images are the only thing, aside from my family, that I would grieve for if the house burnt down. Everything else can be replaced.
I tried a year of a cloud-based backup service. But when I finally, after months and months, got all of my images for that year uploaded, my "country DSL" speeds ensured that it would take years (quite literally) to download everything in the event of some HDD crash. For me, the cloud is impractical until fiber optics come to the hinterland.
There are versions of this problem all over the internet. I have, for instance, purchased a couple of movies off of Amazon that live on Amazon's servers (I could watch
The Godfather series once a year for the rest of my life and be happy). But what happens to my digital rights purchase when Amazon merges or is forced out of business for some reason? I'm pretty sure that "copy" of my movies and my "right" to watch it will go "poof."
Bottom line: if it is important to you, exercise the greatest control practicable over it that you can. Your important books, your important movies, your music, your art. To hand someone else control over when and how you can access these things seems like folly to me, and always has. But hey, these are time/money tradeoffs for all of us.
BTW, the joy of a friend or family member who sees a forgotten photo of him- or herself from 30 years ago is priceless to me. And this is a pleasure I have experienced many times. I'm not putting the control of that set of emotions in Flickr's hands either.