I did not have the impression he was looking for storage. His original post seemed to indicate a "sharing" of photos with friends, relatives inquiry. I did PM him and asked for clarification - sharing vs storage. He did not respond (yet?)
JPL wrote:
I will only comment on number 4.
Storing files online is like keeping your money in the bank. Once you have put your money in the bank you do not own any money, only a claim on the bank. If something fails and the bank is bankrupt you loose your claim unless there is some insurance system, then you will get some of your claim back if you are lucky. This pretty much goes for anything you keep elsewhere than in your own storage, also photo files online.