This is my setup using the 3, 2, 1 rule:
3: Raid 5 setup with 2 unused drives and setup to automatically spool up and recover if one of the drives starts failing. 2: off-site at the father in laws house (using a Xpenology super tiny PC and an external drive) 1: Monthly Backblaze
While there is risk, it’s def safer if not safer than Google drive.
Google definitely has better face recognition. You can pick up a QNAP and put a Google coral and essentially do the same thing.
I also run a 3rd party software that does the tagging. But it’s annoying to do each time.