Exactly! You can still backup/restore an iPhone locally offline just like the PDA example, even with a Windows PC:
> https://support.apple.com/guide/iphone/back-up-iphone-iph3ec....
I don't understand OPs problem with cloud backups being charged for? Many people (myself included) are storing terabytes of images/videos in their cloud backups. While I think the free tier could offer more than 5gb, its not unreasonable to charge for larger cloud backups, Android does the same thing.