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At this point they should just let ppl customize a plan
Makes no sense a subscription for 20GB / 0,99 a month. You better take a iCloud 50GB subscription for 0,99 a month and use Cryptomator to store your files on iCloud. This is how I do it. Even store Carbon Copy backups (through Cryptomator) this way.
Or you can pay less for something like S3 if you’re putting software in between anyway