'It's in the cloud' isn't the same as 'it's safe' — change my mind

Genuinely curious how people here actually think about their own data security — not in theory, but in practice. Do you feel confident it's actually secure, or is it more of a "probably fine" situation you don't look at too closely?

Here's what gets me: most people put a lot of trust in firewalls and antivirus software, and technically that trust is often justified — modern security software is genuinely good at what it's designed to do. But almost every real-world breach doesn't happen because someone broke through a firewall. It happens because someone clicked a link, opened an attachment, reused a password, or typed their credentials into a page that looked convincing enough. The technical defenses are strong; the human sitting in front of them is the actual weak point, and no software update fixes that.

Social engineering doesn't need to defeat your antivirus at all — it just needs to convince you to do something yourself that bypasses it entirely. A fake "your package couldn't be delivered" text, a spoofed login page, an urgent email from "IT support." None of that trips any technical alarm, because from the software's perspective, you just... logged in normally, or opened a file normally.

There's another layer to this that gets even less attention: the moment you store something in the cloud, you're trusting a third party you usually know almost nothing about. Who actually has access to your data on their servers? What happens if a government somewhere issues a request the provider is legally required to comply with, possibly under a gag order you'd never even hear about?

How seriously does that provider actually take your privacy versus their own convenience, uptime, or ad business? Most people never ask these questions, because "it's in the cloud" has quietly become synonymous with "it's safe," when really it just means "someone else has a copy, under rules you don't control."

So back to the actual question: how do you personally handle this? Do you rely mainly on tools (password managers, 2FA, encryption), on habits (double-checking links, being suspicious by default), on keeping sensitive data off the cloud entirely, or honestly a bit of everything plus some luck? And has anyone here actually been targeted by something like this and caught it — or only realized afterward?