This is just my opinion and how I do it. This does not mean it is the be all do all and only way. :)
I organize my camera roll albums... I have one for reels, one for my family stuff and then my content bucket albums. I have my camera roll synced to my cloud storage. Then I also have an account on Smug Mug that I use for my extra online storage space. Once a month I do a clean up using the iphone app called clean up to go thru and optimize my camera roll/cloud storage.
When it comes to clients images... I save on my hard drive and also on smug mug.
It is always a good rule of thumb to be saving your pictures somewhere local (hard drive) as well as in one or two spots external (online/cloud). I say this because if something happens to your computer at least you still have access to them all on your online storage space. Then if something happens on one platform (remember when FB & IG went down!!) you have a secondary place to access your images. Better safe then sorry!!
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Jess is a Mom, Grandma, Fire Wife, Thyroid Cancer Warrior and Professional Photographer of over 20+ years.