The rules I try to follow for important stuff:
I don't trust clouds either. But my house burned down to an ash pile in 1995, taking everything with it that I didn't have in my pockets, in my car, or in my off-site storage at the time. I don't trust ground storage either.
Of course, you don’t have to follow those rules. But I do my best to do so, and it’s paid off from time to time in the past.
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That’s a good set of rules, especially the off-site storage. I don’t use clouds, but....
Primary machine has two drives in it, second drive is for backups in case the primary drive craps.
I also have two external drives, primary and secondary, with full home directory and some setup information backups on them (printcap, wpa_applicant.config, FVWM3 config,....).
All work just like they’re supposed to. I reload the operating systems and utilities every two or three years and have reloaded the backups from all sources. They work. Saved my butt a few times....
All my boxes are unix-based (Linux or Freebsd).