I prefer local solutions, but I also trust Tuta.com and Bitwarden.
And I am using apps with own backup or import/export functions.
This way, I don't have to rely on third-party software that somehow tries to read the phone memory and save it externally (there are hardly any practical solutions for this on the Android side).
Contacts: Tuta.com does offer synchronisation with the phone address book, but because this didn't work reliably, at least with the first versions, I exported the contacts as .vcf and imported them into the device memory on the Pixel phone.
Perhaps the Tuta synchronisation now works without errors? That's too risky for me!
Fortunately, I have three Pixel phones and I had the same address data on all three.
I then tried switching on Tuta's synchronisation on one of the three devices and that messed up the data. The only way to recover the data was to delete the messed up phonebook, export the intact phonebook from another Pixel phone and re-import it on the trial device.