I wouldn’t describe myself as a photographer so take with a grain of salt. A combination of iCloud and self hosted PhotoPrism [1] is perfect for me. My phone automatically backs up everything to both locations so I’m not worried about loosing anything and both do a good job of organizing by date/location/event. I can happily take photos without worrying that I’ll need to sift through them all at a later date. When I happen to use a camera that isn’t my phone (Mavic Mini being the most frequent), I can add the photos to both locations from my laptop. Apple does a great job of packaging and presenting ‘memories’ at a later date.
[1] https://www.photoprism.app/