> This is why I don't use an os that depends on cloud functionality built into the os for much of its fuctionality.

macOS doesn't require this. My Apple account has a handful of apps purchased over the years, and that's it. I could've bought them directly from the vendors, but the store makes it easier to update.

I don’t think it is stupid but the golden rule is multiple backups. I personally believe 3 backups is the minimum. A physical one and 2 others. Either another physical copy stored at another location to protect against things like fire or 2 cloud backups to prevent situations like this. But I have only ever met one person who did this. His house burned to the ground and lost all data at his house but had back ups at his brother and on some cloud service and lost nothing. I was impressed as most people I know have zero back ups.