backup IS a good idea, and I do this for a living- I make backups by habit, and have been fortunate enough to have saved my own hide more than once
an off-site backup is so that if your house catches on fire you still have a backup off-site
People often do not see the need for backup until after their first major data loss. (i’e’ until its to late)
I would hate to lost all the pictures of my children, all the tax documents, all my professional work, etc... just because I didnt do a backup (and I would look like an idiot since this is what I do for a living)
I just saw one of Carbonite’s scare commercials on TV where they have some mysterious person tell different people, “you are about to loose everything”.
I guess they are betting on a different market plan.
Bing “safes with usb ports” and you will find lots of them that will keep a USB drive protected in an on-site fire while letting you control your own backups. We had Carbonite for several years and it worked well with our SecurStar full disk encryption. Then they “improved” Carbonite and it stopped working so we had to go with plan B. Much more comfortable doing it this way.