You must read fine print.This is what my setting is...I think this is what I should be...
I reported that I was missing some thumbnail photos on my Photos on my Mac. So I tried to rebuild the thumbnail using Command + Option to start Photos in recovery mode. That fixed the problem but ...
Did you know, it causes the system upload ALL pictures to iCloud?
Wel, I have 115,000 photos and this will take about 5 days. Crap. It's too late now. I must not be using iCloud right. I don't think I should download all photos to my computer.