That's fair enough. However, I do believe that the common case for data loss is that someone's hard drive dies, or you drop a laptop, or your laptop gets stolen

That's fair enough. However, I do believe that the common case for data loss is that someone's hard drive dies, or you drop a laptop, or your laptop gets stolen, etc. Multiple physical locations provides the best safety, but there is value in having a local backup for when the hard drive dies in your computer. Also I'm not sure what (NAS) means, and I apologize if I sound like a salesman or something. Wasn't sure how to best describe a line of products made by a company without sounding like one. I was just trying to recommend a solution that I, personally, own and use to cover a pretty common case. And also feeds my slight paranoia of having a lot of my personal data and whatnot on someone else's servers.