For me, I don't use Google Photos or Spotify, I have my own local copies and maintain my own backups.

I do use Github for some projects, but I also maintain local copies and maintain my own backups for all my projects.

If pinboard.in ever disappeared, it'd be like loosing an appendage! It might not be as bad as loosing an entire arm or leg, but its loss would be equivalent to at least a finger or two!