yeah, this is the killer for me as ultimately "primary" storage for things like my photos is too important to entrust with company that thinks I am so unimportant they wont lift up the phone to help me if all my data went poof. And since that regularly happens (accounts getting disabled / locked due to random reasons) its not a theoretical.

It means google is reduced for me to only being used for "casual" things as a primary store or secondary backup for other things - but those are specifically what I won't pay for (at least, not much) ...