No. I self host 100%. So, I have two separate storage stacks (truenas) that are always in replication.
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Unless you have enough snapshots replication will replicate deletes or encryption of files.
Anything I truly care about losing is in at least two locations. It's like a total of a few hundred gigs. 95% of the content I have I can reacquire in like a week.
But also I'm afraid about cloud because I've seen some posts about people getting their google accounts closed without notice
thats why you dont backup important data with google, apple, microsoft, etc. even paid accounts aren't safe with these companies and it's very difficult to talk with a real person if you need help. you use a company whose sole purpose is for backups. i use backblaze
Thats why i burn M-Disks, even if i put them in a System with Malware, i can be sure it can't mess with the Data, in die Cloud i use Object Storage with Object Locks...
You can just setup a minio cluster (ideally separated in Hardware and Firewall) and put stuff there with Object Lock if you want to be sure.
I just removed write access from anything I don't want to be overwritten together with rclones --immutable flag. (Its push and pull, because my Laptop is not on all the time so the Laptop pushes when its on and the Server pulles when he is on)
My technique is don't do too much so when it breaks you can get it back. Or maybe make a script on GitHub that'll redownload all shit
Borg incremental and dump in gdrive encrypted
I have my important data stored on a RAID1 for some redundancy, but otherwise it's just snapshotted to an external drive plugged into my server. It's not ideal and I have two plans I really need to get around to implementing.
I have a detatched garage so I am going to set up another machine hidden in the roof space of the garage where I can have "offsite" backups. It won't get found if my house is being burgled (you need a ladder) and it's far enough away that it hopefully survives if my house burns down. My garage already has ethernet cable.
Another option would be storing some stuff at a friends place if you have friends that self host. I've also been meaning on setting a Wireshark tunnel to a friends server and we can borrow a little bit of each others space.