How to be sure Photos for Mac stores full-resolution images

Brian Cahoon is concerned about where his photos and other media live. As a former Aperture user, he used its vault feature to back up his library. But with iCloud Photo Library, Apple gives you the option to always keep high-resolution copies locally.

I don’t think I can just copy the library since some may only be in the cloud at full resolution and the export feature doesn’t create folders for years/months–it’s just a dump of all files in one folder. I have 280GB of photos going back to 2001. Any ideas on how to get a full, verified copy of my photos on a backup drive?
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