It depends on what you store and your backup strategy. You rarely have 2TB of really precious data on a microSD. microSD are meant to easily store a local copy

It depends on what you store and your backup strategy. You rarely have 2TB of really precious data on a microSD. microSD are meant to easily store a local copy of your data, not to be a reliable long term storage. You can also use it to store useful but not unique data like games on a switch or a Steam deck. If the card fail, all you lose is the time to redownload everything. Anyway except if you do a lot of video, the really important data (the really personal data you’ll want to backup) is rarely in TBs. It’s mostly pictures and documents.