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Well_is_it
@Dooks-Fatberg
I'm pretty remedial when it comes to IT (I was till on Snow Leopard until about a month ago) but i'm fairly fastidious about keeping backups. I tend to keep all my files in two separate cloud services (dropbox and icloud) and backup my machine to hard drives every now and again as a last resort. To be honest though, there's really nothing I couldn't lose. All my photos live in the cloud as does all of my music so I SHOULD be fairly disaster proof. The only thing I have on my machine that is potentially irreplaceable is a folder of plugins but again... these live on dropbox too.
It's no chore. I just set them up as default destinations and set cameras and phones to sync when tethered and never have to think about it again.