I agree, I understand what you mean about MS and black mail, but there are options, You could just stay on Windows 10, if your machine is capable of running Windows 11, even if not supported by MS, you can do that Rufus is good for doing for that.
The other option is to go for a Linux distro if it suits you, or you could do what I did and change to Mac
I am not worried about a few photos either, I even got passwords on a password manager, which is in the cloud, I do so because it is convenient, but still worry a little about it. My problem is storing personal documents online,
Sadly, it is the time of big tech companies, and they will grab as much data from as much as you stick up on their services. But they are not the only ones who want data, go into most supermarkets or other shops for that matter, and they want you to give them as much info as they can get away with having. That is why I tend not to bother with loyalty cards. Fed up with the spying and data grabbing that goes on.
Adrian
Desktop machines Mac mini pro with macOS Sequoia, also pc Ryzen powered with windows something or other.
Zooming with Zzoomm FTTP,