christos75 asked,
"Is there a way to also store my photos elsewhere, in case this Library system breaks down again?"
I do a number of different backups. I use Apple's Time Machine, which does incremental backups every hour, at least after I get home and plug in my laptop. Since it only adds recent changes, it's very fast, and it keeps copies back in time, so you can go back to see what your computer looked like a couple months ago, if you like. This, really, is quite remarkable! I also copy my Photos Library to a separate external drive maybe every month or so, hoping I remember.
The only real downside to relying on copies of the Photos Library as your picture backup is that you have to have the Photos app to take full advantage, so the full resources aren't available if you want see edits and comments. Even without Photos, the Originals are completely available from within the Library, but you'd find them with confusing filenames.
If you want to save copies of your pictures as files in Finder folders, then you would use the menu option File>Export. The "File>Export>Export Unmodified Originals" choice is fast, but since they are the originals they don't have any edits or comments you may have added. "File>Export>Export nn Photos" saves the edited and annotated versions of your pictures. Doing both takes twice the storage space. Neither option preserves the albums and folders, but that might not be important for an "dire emergency" backup.
I save my original Nikon file before I import them to Photos, so I keep that extra backup. I've had a hard drive go belly up, so I'm a bit sensitive to losing my pictures!
What do you think?