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Best way to backup files
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I also like local only with a similar set up as yours, rsync to and HDD and to an SSD.
But I also would recommend you to follow that suggestion, you need to have an external backup managed by someone else (encrypted, of course) so you can have options if anything happens to everything in your local.
It's up to you how much you're willing to pay to be sure to be able to retrieve your data.
I'm using iDrive e2, it says it has a limited offer, but it's been there for over a year.
Im basically paying $1.25 for 2TB per month (it's charged at once for 24 months) https://www.idrive.com/s3-storage-e2/pricing
I see, I'll look into it then. Thank you.