Originally posted by architect:
One option, on macOS at least, is to keep your private stuff on a "sparse bundle" disk image that is password protected/encrypted. When "opened," this image looks like a mounted disk in the Finder, and will house any normal content that needs protecting. When not open, it can be treated as a normal file that can be copied to the cloud or other backup media with no fear of content disclosure. More details can be found in
this article.
I don't know if similar is available in MS Windows, but I'd be surprised if there isn't something.