Yep, never upload to a third-party cloud service unless I don’t care about the photo going public. Initial transfer from camera/iphone to MacBook involves a renaming run based on exif. (Use a simple app called ExifRenamer). So basically photo files are renamed:

YYYYMMDD_hhmmss_filename.filetype

End result is:

20241225_234104_DSC_123.jpg

I sometimes also include a location in the file name like “Italy trip”.

I then file these images into specific folders named by date and general location as below and then automatically backup/duplicate periodically to SSD drives. Not raided; just three separate drives. Each containing a mirror copy.