I don't see the hate for cloudy storage...
I rotate between about 7 different devices depending on my need, all my documents and photos are stored on onedrive - on each device default save locations are onedrive with files locally synced for hot folders and files on demand for cold folders... it works... no matter which device I grab I have all my data at my fingertips... I dont have to worry about getting drives out of a safe, syncing them with what I hope is the most upto date machine im using - I used to run owncloud, but without colocating anther machine im back to a single point of failure... coupled with my upload speed which is significantly lower than what microsoft offer!
I have an offline cache for all my data - which I transferred to another machine the other day and that came down at line speed, yes it took a while, but thats what going to bed is for!
I suppose there is the chance that microsoft will just fold one day and all my data will disappear... but I abandoned a box of physical photos at an ex's many years back - they are long gone, its an arse, but not the end of the world!