Following 3-2-1 backups is definitely recommended, and if you have a good NAS setup, it can be pretty easy, even with encrypted backups. My NAS runs TrueNAS Sc

Following 3-2-1 backups is definitely recommended, and if you have a good NAS setup, it can be pretty easy, even with encrypted backups. My NAS runs TrueNAS Scale. Any data I need to keep around long term goes into a personal share. I have restic installed on the NAS, with a USB drive hosting the repository for it connected to the NAS. At this point, copy may or may not exist on my personal computer, does exist in the personal share, and is copied to an encrypted backup repo locally. Finally, there's a sync job pushing the encrypted restic repo to Wasabi. I only follow 3-2-1 on things that need it, so things like my media library aren't part of it (I can just rebuild this stuff). At less than 1 TB, Wasabi can be pretty cheap. In terms of documents, though, I tend to use tools like LibreOffice rather than cloud office tools. Having real documents that I can include in my 3-2-1 backups, as well as being able to share, is convenient and useful. Maybe not the best for collaboration, but that's easily worked around. I still work with cloud office documents from time to time, as documents shared to me, not vice versa. If it's something important that I need to keep a copy of, I export it.