- 225gb of photos, videos and documents
Currently, we pay 10.99 per month for iCloud 2tb. The good is it is easy, solid and reliable. The not so good is it is a monthly fee.
My thoughts are to purchase a used Mac Mini vintage 2014, I7, 16gb ram, 256gb ssd. Hooked up with 2-2gb hdd or ssd via USB3.
My question is: is this a solid plan or should I simply stick with the iCloud subscription? It would take about 3 years to break even.
It appears that your main goal is to stop paying 10.99/mo for iCloud. A good goal, IMHO, but keep in mind that if you don't use "iCloud Photos", then you will need to keep your full Photos library on one of your devices, and if that device is a Mac (which I recommend), then you will have to transfer new photos from the iPhone and iPad periodically, to get them into the Photos library (and to have them backed up). To get them onto the "photos" Mac, I
think you would have to manually connect the i-device with a cable to the Mac (I used to do that, but have been using iCloud Photos for a long time now). If that's OK with you, I can make suggestions about storage and backup.
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I'm assuming that of your 225GB of iCloud data, the vast majority is comprised of photo and video files kept in the Photos app.
I'm also assuming that you want a single Photos Library, with all of your photos/videos in it, and not a separate, partial, library on each i-device.)
I suggest keeping the Photos library on a Mac because: (a) it's easy to add plenty of external storage, (b) it's more pleasant for editing/organizing/viewing photos on the larger screen, and (c) I don't know how to back up photos from an i-device to external storage -- although I'm sure it's not that hard!
I don't see a requirement for a Mac Mini. It seems to me you could use the 2020 MacBook Pro, with one or two external drives. If the MBP doesn't have enough storage space internally, it's easy to put the Photos library on an external SSD. In any case, you'd also want a separate external drive for backup. If that's too many drives to plug/unplug to a portable computer, there are docking solutions so you just have one cable to unplug when you need to take the MBP out.
However, if instead you wanted to use or repurpose an older Mini, that should work well, too. You don't even need a monitor permanently connected to it -- you can use the built-in Screen Sharing app on your MBP to graphically connect to the Mini.
Very important: if you decide to have the "master library" on a Mac, you must go into Photo's preferences, check "iCloud Photos", and "
Download Originals to this Mac". Be
sure all your originals are downloaded before unchecking "iCloud Photos".
Once the Photos library is at home on a Mac, you can decide how many and what type of backup copies to have. Obviously you need at least one. If you want a second local backup, you could just attach another external drive, or use a NAS if you really want to (but seems like a big expense to me). If you want an off-site backup, you could pay monthly (there we go again!) for an Internet-based backup, or you could periodically make a copy to an external which you store elsewhere (e.g., a relative's or friend's house).
This is just one idea. In theory you could copy the photos libraries from your iPhone and iPad onto external drives. (Assuming your i-devices have enough internal storage for all your photos/videos.) Someone else might have good suggestions for that.
I really like the convenience of iCloud Photos. BUT, I don't trust it completely. I also have local and offsite backups of my Photos library. I don't consider iCloud Photos a good backup. What if something goes wrong with it, and your photos are deleted from iCloud? They'd also get deleted from your devices, and could possibly be gone forever. Normally when something is deleted, it's kept for 30 days in "Recently Deleted", but... you know, bugs happen. What I'm saying is, IMHO, even if you continue with iCloud Photos, I'd recommend making at least one local backup copy of your Photos library. (Whew, off my soapbox!)
What gets confusing is we just bought two new iPhones, and when we set them up, it restored them from data from the old phones on iCloud.
This one little part of "iCloud" actually is a backup. This one feature, that backs up your i-devices. Although it only keeps one version (the latest), as far as I know.
The other iCloud features, like iCloud Photos, iCloud Drive, Desktop and Documents in iCloud, application data like Notes, Pages, Numbers --- those are IMHO not backups but data synchronizing features.