You have photos on your computer. You would probably be really sad if you lost them. Let's discuss some strategies for ensuring that doesn't happen.
What you are doing now is probably not enough.
Your current strategy is to have photos and critical files stored on your most current laptop and maybe some things in Dropbox. This means you will probably lose your data sometime in the next three years.
Hard drives fail, often, and are unrecoverable, or expensive to recover.
The software that manages your photos is written by people who are bad at their jobs, or didn't anticipate the software running on (insert hardware/software condition 10 years from now here) and it breaks, destroying your photos in the process.
Apartments and cars get broken into and laptops/external drives are good candidates for theft. You can buy renters insurance, but you can't get your photos back.
What you should do
I'm going to focus specifically on keeping photos for a long time. For files and folders which change more often, I use git and source code tools like Github or Bitbucket. For work environments that take a while to set up, I try to automate installation with shell scripts instead of trying to store the entire environment via Time Machine or similar.
I'm also going to pick a thirty year time horizon, just for fun. If you want something to last for thirty years, you can't just store it on your local machine because your hard drive will probably fail between now and then, and then you lose your photos. So you want to store it on your machine and then also somewhere offsite (e.g. not in the same 5-mile radius as your machine).
Which raises the question, which storage/backup companies will be around in 30 years? Any small enough candidate, even Dropbox, could get acquired or shut down in that time frame. My guess right now is that Amazon Web Services will be around the longest, because it is profitable, already part of a large, growing company, and the service is growing rapidly.
Specifically, I am putting a bet on Amazon Glacier, which has extremely low storage costs - $0.01 per GB - and is one of the most reliable services Amazon runs. Glacier is a subset of Simple Storage Service (S3) which has had extraordinarily good availability in the 7-8 years it's been available. In addition Amazon regularly publishes information on the technology underpinning S3, see "Amazon Dynamo paper" for example.
I use Arq to back up photos to Glacier. It seems fairly stable, has software preferences for the right things, and I am encouraged that the author charges for the software, which means he/she has an incentive to continue developing the product and making sure that it works. This is $30 but this is still much, much cheaper than any other tool (iCloud for example would be $100 per year).
I have 52 GB of files, which means I'll pay roughly $7 per year to have 11 years of photos stored safely in the cloud. Not bad.
I would consider Tarsnap as well, which encrypts your data, but it's currently 2.5x the price of Glacier. I expect this price to decline soon.
Photo Management Software
The second piece is you need to choose a stable piece of software for viewing and managing your photos. This is orders of magnitude more risky than Glacier. The ideal piece of software would have:
An easy to understand file format, published online
Source code available online
Some support for grouping photos into albums and importing them from my phone/camera/whatever
Some sort of tool for auto-adjusting the layers on a photo, cropping it, editing the brightness/contrast. Not Lightroom, but enough to make a photo better than it was.
Supports hundreds of gigabytes of photos without falling over.
I haven't done as much research into this as with backup solutions, but there are a few tools. Picasa is supported by Google and relies on Google's charity to stay running and supported. Lightroom is very nice, but overshoots my needs, is very expensive, and Adobe may run out of money and fold within the next 30 years. This leaves iPhoto, which isn't well documented, or open source, but mostly works, some of the time, can crop/edit photos while saving the originals, and is a core component of Apple's Mac product, which may also die, when we all have tablets. At least iPhoto stores the files on disk.
If I was a better person, I'd manually arrange photos in files on my filesystem and use that. But I am not.
In this game it's a question of how paranoid you want to be, and how much your photos are worth to you. If they're worth a lot it's worth investing significant time and resources into redundant backup systems. Specifically, the 3-2-1 rule suggests storing backups in 3 different places, 2 different file systems (or photo management tools), with at least one offsite. For photos, backing up to CD's or tapes is not a terrible option though it's not very efficient and CD's also die. Using a 2nd photo management software solution, storing the data for that one on an external drive, and backing one of them up to Glacier every night is not a terrible idea.
My photos are worth a lot to me, but I'm not going to go insanely overboard; if my hard drive dies, and Glacier loses my data, that would suck, but I'm willing to gamble on the one-in-a-million odds of them not both happening simultaneously.
I am most worried about the management software; recently iPhoto decided I had no photos in my library and deleted all of the metadata for those photos (albums, rotation information, etc), leaving only the raw copies in my library. This was very sad, though I didn't lose the photos themselves, and might be able to recover the metadata if I am lucky. So yeah, I am not too happy with this. I now store important iPhoto databases in git, backed up to Bitbucket, so I can pull them back down in the event of another catastrophic failure.
This is too long already. Ensuring your photos aren't lost is difficult, and probably requires professional experience as a computer programmer to get right, or for you to part with a significant amount of money, or achieve a large amount of good luck, to avoid the bad things that happen to most people who just hope their photos stick around. I wish you the best of luck.
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