Home users don't usually have the money to rent another building. What I do for my personal setup is RAID + nightly backup (3 drives total) in one machine, and

Home users don't usually have the money to rent another building. What I do for my personal setup is RAID + nightly backup (3 drives total) in one machine, and then a 4th hard drive that normally lives airgapped in a rental storage unit that I bring home and sync every 6 months or so. The nightly backup serves to always fetch yesterday's version of any file, and deals with 99% of scenarios that I'd need a real backup. The 1% (hackers + fires/disasters) is taken care of by the storage unit but I lose the last 6 months of changes.