RE: Photobucket; With Photobucket, if my computer(s) all suddenly disappeared, then nothing would happen to my photobucket photos as long as I can remember my username and password to Photobucket. They host all of the photos, and the photos remain there forever as long as you keep it open - they are not on my computer. In fact, most of the photos I have posted to the IAA forum exist only on my Photobucket account, and not on my computer since I delete them after I upload them. I think I pay a small fee for my account due to the amount I use, but it’s not much. I would just make sure that as with all username / password websites of importance that people use, that a trusted person or two has access to that should they need it after a person dies. And also have the associated email account and password available since notifications from hosting services would be sent there.
I would tend to worry a little bit more about having a secure user name and password so that no person could access them nefariously and delete everything. This typically would not happen since that is a tedious process to individually delete them all, or to cancel the account it sends a confirmation email to the associated account’s email (yours). There is also little incentive for a hacker to do this, but still… Having back-ups on 2 separate USB drives in different locations is also wise for all files in general.