I've been advising friends and family about this for years.
Several yearaa ago I switched from using iPhoto (what Photos used to be) for managing my photo catalogue to Adobe Lightroom. All my interchangealbe lens camera (ILC) images are imported into Lightroom Classic CC and organised as date based (YYYY/MM) file folders. On my iPhone I capture imagess with the Adobe Lightroom CC mobile app which syncs ny photos back to the Adobe Lightroom CC macOS app via Adobe's Creative Cloud. My backup software, CrashPlan, takes care of the rest.
I know some people will be bothered by Adobe's and CrashPlan subscription but ... isn't iCloud a subscription service?