It’s not the expensive. I have about 150GB backed up and it costs about $1 a month

It’s not all that expensive. The cost of storage is constantly decreasing over time. You can get a safe deposit box for something like $10/year if you also want the added benefit of an offline copy. I haven’t looked at cloud storage pricing, so I dunno what that runs.

Among my top 3 repeated lines at work lol

If you get raided and have no backup afterwards, then it wasnt a good backup. So yes RAID is not a backup.

But it’s all stripey! the data is redundant!

https://www.raidisnotabackup.com/

But putting 2 copies of my files in OneDrive is 3-2-1, right?

Make sure oneoff the copies is airgapped or append-only so that if a ransomware overwrites your copies you will still have the original.

Yeah. My solution is raspberry pi w/WireGuard + HDD at inlaws. Initial backup was done locally, nightly backups rsync’d over (I don’t generate a ton of data, so it’s mostly just photos from my phone).

It’s why the paid services are successful. Another option I heard about is to have a “data buddy” so you both install a NAS at each other’s house, sort out access etc and that’s your off-site.