Qntm’a hardcover books are really well designed. And cheap. I think I paid $12 or something. It really makes me annoyed to see crappy hardcovers for $20-30, knowing that what looks like self-publishing can do such a good job.
My solution has been to use iCloud to sync photos to my desktop, but then I just backup the iPhoto directory on my desktop which has all the raw photos in case iCloud goes poof.
I found it useful to set deadlines that force me to prioritize features that add value/functionality. Since for me these are just personal projects, I try to add accountability by telling friends "hey, Monday I want to show you this really cool thing I did". This helps sharpen my focus.
It's a matter of risk balancing. A private pilot is more likely to die in a private plane crash, but also more likely to be able to afford paying for insurance.
What insurers don't like is someone who throws off their "books" unexpectedly.