Best way to "backup" your iCloud Photo Library?
I know I've seen posts on this topic before and I'm sorry if this is a bit of duplicate, but I can't find the information I'm looking for without seeing a bunch of stuff from years ago which wouldn't be relevant anymore.
Situation:
Running Mini with iCloud Library downloading originals. iPhone and iPad are optimized storage. Mini has Backblaze and Time Machine, but library is on an external direct connected hard drive due to storage space on the Mini. So, only official "backup" in this case is Backblaze.
Issue:
In the old days before using iCloud Photo Library, I would use the Image Capture app to pull photos manually off of my phone, then reimport them to Photos, then use Home Sharing to see them all. That was a cumbersome mess and when I didn't do that for months at a time, was more risky than the current situation where images are at least sync'd to iCloud and downloaded to my Mini in the interim.
Now I want to make sure I'm taking the extra step to be careful with my images just in case... To be fair, I do understand the differences between real backups (multiple copies, on and offsite, etc.) and sync services (like iCloud (not counting the 30 day trash can here)).
I've seen posts in the past that suggest (and I like the idea) of "extracting" all your photos out of the local library / iCloud library to have a "spare" set of the pictures just in case something goes horribly wrong with your iCloud account. The "export" feature in Photos feels cumbersome at best - would require exporting the originals and the edited versions, doesn't seem to have a way to maintain any type of structure, etc. I have PowerPhotos and can use it to make another copy of the library to store the backup images, but not sure that gets me "out of the Apple Photos library corruption issue / or iCloud account meltdown issue" at the end of the day.
Would the community mind sharing what they do to solve the issue in this case, if at all? I appreciate everyone's input.
Thank you!
Dane
Mac mini, macOS 10.14