As an afterthought, perhaps it might encourage us all to at least photograph precious items, whether they be something like a necklace worth actual money as well as sentiment, or that cracker made from the toilet roll by your 3 year old. Clothes that you are unlikely to go out in now, but connect you to lovely occasions.
Actually get these printed , rather than stored on your phones, and get two copies of everything. Then you could give one set to another family member or a good friend to keep, so that should you lose your set, you will have another set to go for. Might be a bit of stable door and horses, but worth a thought. The other thing I do, which has helped memories over the years, is to write on the back of the photo the date and the people in the picture and the occasion. Our family , from my great grandparents were photo takers on whatever occasion. Problem was , in years gone by, everyone would be in their best clothes , which would often be the same in lots of the photos as we did not have many changes of "best" outfits. I have been pleased to be able to look at the backs and see who that man on the end was and what occasion, also a great help if anyone is trying to do a family tree etc.