All of mine are on my laptop, with a copy being saved on a local backup drive. I'm always hesitant to store a lot of my photos on the cloud, though it's probably a better idea in the long run. What service are you using? Is it doing auto backups? Sorry to inject some tech questions in here!

Myself and my mrs have jokingly talked about this. Our opinions basically the same as above except that she has asked for all the passwords etc as she says she would definitely want access to them all, if I'm gone before her.

In other words, if I'm gone first she will keep them and look at them but is definite that she will destroy them before she goes. If she goes first, I've told her I'll her I'll put on an exhibition if I can find a willing gallery. :-)

I use pCloud. Safe, secure and relatively cheap. 2TB @ $8 a month. 500gb at $4.

Apart from a few older tame holiday photosthat are in print all the stuff we wouldn't want anyone to see is encrypted.
I use VeraCrypt, it's free and works fine.
When Mrs Ferg has asked how safe her pics are I just tell her in the event of my demise just unplug the computer.

I just checked, and I have 26 gigs worth of data in my "adult" folder. 20 years worth, organized by year and month. The vast majority of it is my wife, with some extra curricular stuff sprinkled in here and there. I have a ton of topless/nude pics of some friends of ours, as the girls are always ready to show off whenever we have a get together. I'm sure all the guys have similar photos of my wife.

Crazy to think I have that much!

While there are a few things in there my wife would not be thrilled at (her sister in a skimpy bikini, etc) for the most part she's aware of all of it, and would take care of it for me. In the event we both go, our daughters, while kind of disgusted by it (LOL) are aware that we are very active and like to have fun, and also know photos and files exist. They would just delete everything.

I have a couple of external hard drives that are encrypted with everything on them.

Now I have recently found out that Google Photos service is cheap but they have a "death delete option" If you don't access them in a predetermined time frame sent by you it sends you an email then you have another few weeks to recover or it deletes EVERYTHING and closes the account. Kinda cool!

So I'm messing with that a little till I get more comfortable with it.

I do not have any pictures of my wife and I. I do have pictures of an ex on a flash drive that I have not opened since I have been with my wife yet I have not been able to bring myself to destroy it for some reason. It is hidden in a place that no one will ever find it if I die (having hundreds of acres allows for some good hiding places). I have other items (non sexual for the record) that my family would have no idea what to do with yet I do not want them to essentially cease to exist if I meet an untimely demise. I have them hidden very well. I have a couple of friends that know those hiding places and if something happens to me, they will either get them and make sure they stay in circulation or hold them for my boys when they get old enough.

I've got our photo collection on a separate hard drive so I can add to it easily, plus some back-ups, though they are not meticulously synced. Currently sits at almost 25gig over a 20 year relationship.

I'm not sure what my wife would do if I passed first, but given her general feelings about her body, she'll probably destroy them. I would personally release them into the wild. Anything else I've done with my life will probably fade away fairly quickly, but I'm sure a few nude/sex shots will survive as long as anyone collects vintage amateur porn.

About me":

Hot pics of my wife taken are already edited. Face hidden with smileys and a user text logo placed on every photo.
All the edited photos are in password locked archive kept in personal HDD. The original photos are also encrypted and locked inside strong password protected archive. So after my death the one who gets HDD can only delete the files in HDD and can use it for his/her personal use only.

Also my wife knows about the archived files and hope that she will delete those once I am gone if we both don't die together.

All of mine are in an encrypted file that is password protected. Also backed up to a cloud drive that is hosted by company known to be secure and reliable.
At one time I did have them backed up to a lesser known cloud service, thinking that was safer than having my wife's pics on a well known corporate site. Unfortunately that company went belly-up with no warning. Shortly afterwards, I did find a few of my wife's pics on less-than-scrupulous foreign sites.
I had, on very rare occasions, shared some of her unblurred pics w/ chat buddies, so I can't be sure if they came from betrayed trust or the defunct service.