In order to protect your family's photos from the failure of the device, the main reasons for the backup are. iCloud claims to back up all your images "in the cloud", but how it works varies depending on the settings you have enabled.
My Photo Stream vs iCloud Images
"iCloud Photos" Do what you expect – it stores all your photos in iCloud. When you take a picture on your iPhone, it is immediately loaded into iCloud where it is backed up even if you break the phone. iCloud Photos also sends all photos you have taken to your Mac and any other device you have connected to iCloud so that everything syncs. It assumes that everything is connected to the Internet, and you have not switched off the iCloud Photo Library using cellular data.
iCloud Photos are good but have a big problem: storage space. The free iCloud data plan gives you only 5GB of storage, which is extremely small, even with other free storage plans from services like Google Drive. You can fit approximately 1600 images in 5GB of space, but it doesn't contain videos and anything else you've stored in iCloud.
When your storage is full, iCloud Photos will stop working. It quickly fills up, and when it does, you will be corrupted with messages asking you to upgrade.
"My Photo Stream" is trying to solve the problem. It only stores the first 1000 images taken during the last month and removes old photos from your Photo Stream. This gives your Mac or other devices enough time to sync with iCloud, back up your photos to your other devices. Your photos are not stored in the cloud, but you do not need to back them up to your computer manually. If one of your devices breaks, you still have all your photos on your other devices.
As long as you do not break all your devices at once, My Photo Stream will still have you copies of your photos. The biggest problem with it is that when you get a new device or upgrade your phone, your photos are not automatically downloaded to that device because My Photo Stream only stores the latest images. You have to manually upload the images to your new phone from your Mac and if you don't have a Mac, you have no luck unless you have enough space in iCloud to enable iCloud Photos.
Which Should You Use?
If you're good at paying $ 0.99 per month for iCloud's 50GB level, use iCloud Photos. It's a much better solution, and it's less of a hassle than My Photo Stream. And if you're really worried about losing your photos, join this option because all your photos will be backed up as long as you have your iCloud account.
If you have multiple devices and take a lot of pictures, Photo Stream is good to use. It is possible to synchronize photos between devices. As long as you use both devices regularly, your photos are backed up on each device you have. You will encounter some problems when it's time to upgrade, you have to move your photos to a new device manually, so that's not the best option. It's also best to look at getting a backup plan for your Mac, just to make sure everything is secure.
If you do not take a lot of pictures or use iCloud so much, you can keep iCloud Photos until your 5 GB fills up. In doing so, you must decide whether to pay more space or switch to Photo Stream.
Do not use photostream if you only have a single device or if you are not regularly using your other device and synchronize it with iCloud. Your old photos will be gone if you break your main unit. If you have a single device and have more than 5 GB of images, you need to pay more space or move your photos to a storage service like Google Drive.
You have other options for automatic backup of your iPhone photos as well. For example, you can use Google Photos to store an unlimited amount of images.
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