As a security “expert” by trade, Hello’s PIN garbage always frustrates me. Do you honestly think someone is going to put different PINs on different devices? I get the whole “don’t let the password leave the machine” but EVEN MICROSOFT solved that with Kerberos long ago. It’s a solution for a solved problem.
None of the “benefits” seemed to line up. The multifactor/biometric support is in theory good, at least, but the rest of the copy they give users is useless.
Use good, unique passphrases on a few things (your computer, your phone, and your password manager) and use randomly generated passwords for everything else.
You could look into AWS Glacier or S3 Deep Storage tier. If you have 20TB stored that’s about $20/month(YMMV) which isn’t wonderful but that’s a lot of data so it’s understandable.
Being a cheapskate, if I can get something back or it’s not crucial it’s on a RAID array with snapshots, everything else is either encrypted Duplicati backups to Google Drive (Windows) or encrypted borg backups to Borgbase(Linux)
Borgbase is very reasonably priced and if you have a large storage space in GDrive due to having one of their other services it’s a good use of it.