I have a Mac and I have Office 365 with its free 1TB storage. My photo library location is on OneDrive and my phone stream is synced to the Mac. My Mac is als

I have a Mac and I have Office 365 with its free 1TB storage. My photo library location is on OneDrive and my phone stream is synced to the Mac. My Mac is also backed up to NAS. So my pics are in two different physical locations and one offsite. I guess I should have an external drive that I make regular backups to and then take offsite somewhere as well.