The Apple store is only 30 minutes away for me. But they don't keep 512GB 11 Pro Max iPhones in stock. They have to be shipped and that takes a week. I've been there. My 6s+, a secondary phone, filled the gap for an entire week.
I also backup to the cloud. I have a 2TB sub I pay Apple monthly for. I got it when I had to replace my 11PM because I didn't want the hassle of having to restore several thousand photos.
I had to anyway, because the backup did NOT restore all my photos. Thankfully they'd all been backed up physically over time.
This is a nice thought and if it's working for you, keep doing it. But it doesn't work for everyone, or at least as seamlessly as your post would suggest that it should.