backed up iphone8 manually on pc. Can't see any photos, in pc itunes app. if use icloud, all devices have everything. worried won't have photos, files when restore backup. tried to turn off icloud, but says I'll lose photos if do

See Transfer photos and videos from your iPhone, iPad, or iPod touch to your Mac or PC - Apple Support. While photos in the camera roll are normally included in a device backup, they don't automatically get copied to a location you can browse, nor do they show anywhere in the iTunes library. If iCloud Photos is active, as appears to be the case, then they may not be included in the backup. I would advise making a device backup to iCloud as well as your computer. Too late to do it later should you find you have issues using the computer backup.

See Download iCloud photos and videos - Apple Support to make local copies of whatever is currently in the cloud.

tt2

See How to back up your iPhone or iPad with iCloud - Apple Support.

If your phone is currently pushing photos to iCloud (which is seems to be), but your iPad isn't set to use iCloud photos then nothing should change there. Backups don't include content which is otherwise saved in the cloud via another mechanism, such as iCloud Photos.

tt2