Which do you want? A single physical disc that is a tangible product? Or access to a server that has data redundancy?
You seem to want the guarantee of high availability servers but expect to claim ownership of the data. You never owned the data, and you don't now.
This is why I've not used one. The whole point of passwords is privacy, yet people put them all in one place controlled by someone else where you have no way to verify how secure they actually are. And you need a password to get into it, so now there's one password that could be breached to gain access to everything.