I use ZFS running on a local file server with weekly snapshots, and also upload a selection of the most important stuff to an S3 bucket. (I recommend encrypting

I use ZFS running on a local file server with weekly snapshots, and also upload a selection of the most important stuff to an S3 bucket. (I recommend encrypting it before uploading it including metadata.) Redundant self healing file systems have been a thing for a while. Try a cluster of smaller drives to replace your old one. Replacing a crashed disk should be only a minor annoyance rather than a disaster.