I back everything important; financials, documents, & photos to 5 external drives and Microsoft OneDrive. I feel pretty secure. The good thing about OneDrive is that I can access everything from both NY and FL or anywhere. In FL, I take a couple of the 1 TB drives as well.
I tried to use OneDrive today, and it kept putting things into a Vault, rather than into the target folder. Then I had to keep getting an email with a code to continue. What's the deal with the Vault - that can't be deleted?