Back in the good old days of the analog /chemical darkroom, advanced amateurs and professionals spent large sums of money, over the years, for darkroom gear- enlargers, processing tanks and trays, temperature control devices, lenses, easels. dodging and burning tools, texture screens, dryers and racks, and endless supplies- chemistry, toners, fixers, replenishers, and lots more. A colour lab= $$$$$$!
Storage- if you were into regular or archival storage, remember all those supplies, sleeves, envelopes, print boxes, fire insurance (y'all should see my storeroom)!?
So, I can't see why so many photographers complain about software and storage subscriptions. You could just keep purchasing additional hard drives and store everything in-house.
There is no "free lunch"- you got to invest in the gear, space, and supplies. Nowadays, in digital, it's relatively inexpensive. With some decent software and a few plugins, you're getting away cheap!
Obviously, if any service no longer addresses your purposes, it is wise to remove it as long as it doesn't put your images at risk of loss!
Perhaps I can't relate to retirement. At 77 I still work in photography full-time- my lovely wife thinks I am insane, nonetheless, she still runs the office!
I always refer to General McArthur's "retirement" speech about "old soldiers", I just plagiarized and altered it slightly. Old photographers never retire (die) they just fade away, that is of course if they are not are archivally processed.
Even when I can't work anymore, I will still shoot, process and store my images. The camera goes in the box with me- if it won't fit, at least, they can squeeze in the smartphone!
Congrats on the retirement but somehow I believe you will continue shooting and teaching!