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@aggi
For most of the stuff on my NAS drives (mainly media) I don't bother backing up but do make a weekly file listing (which is backed up to the cloud) so if I lose a drive I know what I've lost and what needs to be ripped/downloaded again.
Local computers are backed up to my NAS. There's the risk of fire or theft wiping everything out but nothing I'd lose is that important.
The stuff I really don't want to lose is on Onedrive (also pay about a fiver a month for Office and 1TB of storage {in fact it's 1TB per user so 6TB if you want to get creative}).
That's things like pictures, scans of contracts, config files, etc that would be difficult/impossible to recreate.