Same as that, Martin...I save my research material, photos, etc into a new folder in Downloads, and then keep a back up copy in a remote usb drive. That way if my computers crash, have hissy fits, or generally refuse to comply with my wishes, I have all my material on a separate drive. (been there, done that, lost a shedload of hard earned research material)
As for The Cloud...I don't understand it, and therefore I don't use it. If I can't touch it, feel it, or see it...it ain't there.