That is a very good post. I have lost some stuff over the years, when the phone has just refused to work! They were android phones.
I know this happens too many people, seen countless posts on FB ' Lost my phone, I don't really care about the phone, but it has treasured photographs on it'.
I have an I Phone, and I am hoping I have got this correct, I have no paid plan, but from looking it seems that when you make an icloud account, when first getting an I phone, they give you 5GB free, now looking at setting on mine, I Cloud it says 2,4GB of 5GB used, so would I be correct in assuming, if my phone was to be lost, or just stopped working, I could retrieve photos by signing into my apple account on a desktop, or a new I phone would synch from the previous?