I definitely don't follow all these suggestions, but I listened to a good podcast about this topic.
https://www.10thingstotellyou.com/podcast/41
I just have one kid, which I think makes it easier. Everything is in google photos, but each month I go through and take the best photos and put them in a folder on my hard drive. Those are the photos that end up (usually) in that year's Shutterfly album. I do have separate folders for big trips, since I do a special album for those, but the photos are also in the month/year folder for when we took the trip.