Maps: CoMaps all the way. Very nice, polished map app using OpenStreetMap
AI: Just use Ollama. It's dead simple to run it on your local machine. They have docs here: https://github.com/ollama/ollama/tree/main/docs
Productivity suite: LibreOffice. If you want sync use Nextcloud (needs to be hosted) or syncthing (no hosting necessary).
Photo app: Nextcloud Photos app if you want cloud sync. I take it you use iOS given that you specify Apple Maps, in which case idk what foss photos apps there are on iOS, but Fossify Gallery on Android is good.
Cloud storage: Nextcloud. By definition, cloud storage needs to be hosted, so if you don't have a server, you can use something like Proton Drive or Cryptdrive, or find a public Nextcloud instance that lets you sign up (Disroot has one).