What I've learned from all these disaster stories: have backups for everythig. I have an iCloud+ subscription but also a OneDrive subscription, photos are sync'ed to both storages. On gmail, I set up fwd for all emails to another email address (non-Google related) just in case. Of course you can't do this for every service but do it for the ones you can.

On a meta note, Fuck Apple, I'm so glad I didn't pursue an iOS developer career 10 years ago.