I'm currently in a similar pickle with an icloud account. It's not lost, yet, but I can't pull the photos locally at all. The download links supplied on the icloud website time out a few hundred mb into the download. Third party command line tools also time out a few hundred mb in or so. This is a large library, so when I try and open up the Photos app on my mac and sync it there, the app quits immediately. I feel like its a ticking time bomb of a situation here with these data on this icloud account, and I also feel like I'm powerless and out of options to do anything about it, although I will stop using icloud and similar services as primary storage going forward.