Bulk content (when cloud storage might not be appropriate) is rarely important enough for reliability to be a concern, and home NAS is totally insufficient for

Bulk content (when cloud storage might not be appropriate) is rarely important enough for reliability to be a concern, and home NAS is totally insufficient for reliability when it comes to truly important content as it does nothing for theft, fire, etc. If my home media library gets wiped out by hardware failure, replacing it would be an annoyance but not a disaster. Anything that would be a disaster is covered by at least two cloud services.