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I'm really surprised that you're ok with an on site backup! I have been burgled and lost my computers AND my backup drives before. Let alone the fire and flood risk.
Right now I'm between homes and leaving an employer.
Typically I would store the backup hard drive off-site... but right now I lack that luxury.
In a few months when things have settled I'll go back to having an off-site... likely will just add an extra HDD so that I rotate them and have the local backup be the fresh one and the off-site be last month's one.
My NAS does the checks weekly for me and emails me. I read the emails. This is RAID 6, I can suffer losing any 2 drives so long as I replace them quickly once they fail.
I backup my NAS to an external drive, that is not kept plugged in, at least once a month.
I don't use cloud backup for this as it's... erm... maybe 15TB? Cloud backup isn't onerously expensive but the time to upload 15TB, keep it in sync, and then download it in an disaster recovery situation... well, that seems onerous. Cold storage external hard drives just seem way cheaper and better in almost every way... I have a Google calendar reminder that recurs monthly to remind me... but it's not that hard to remember, I do backups when I get paid so it's just one of the pay-day monthly chores to plug the drive in, run the sync script and then un plug it.
Eventually that drive will be off-site, it isn't at the moment. But for documents that I really care about all of that is in Google Drive, additionally sync'd to disk on the NAS and copied to the external drive.