Keep the thumb drive tech up to date annually just in case the tech changes and they can't figure out how to use current thumb drive tech.
Have thumb drives and instructions replicated in multiple places in the event the home burns down or is otherwise destroyed. stored with other trusted family members that live near by or even at remote locations.
Avoid clouds, cloud accounts, any system you do not control as they can be hacked, go out of business, lose your data, accounts disabled upon death, accounts closed because who knows why, etc...