I self-host Immich for photo storage on my own server. All photos from my phone are automatically backed up there.

The immich server is backed up daily using restic, and those backups are stored in a Hetzner storage box. This way I have a local photo server plus an encrypted off-site backup in case something happens to the server.

I use both Mac and Linux, and I don’t feel like I have to enter my password more often on Linux than on Mac. Btw, when I used Windows at work, the first thing I did was set it up so that a password was required for admin tasks.