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Yeah but if you disable the iCloud upload for the photos app they are all on-device
Same goes for any other app, including Google Photos
Except google photos will nag you every few days to enable cloud sync if it’s disabled when you open the app and uses dark patterns to nudge towards accepting. I doubt iOS does that.
So don’t install it, use a better app. It’s just some app, not part of the system like iCloud on iOS.