(We have some Microsofties in our ward and so I get the Friends/Family plan from them for 5 accounts with each one getting 1TB of synchronized storage. Normally that's $100/yr - but with the F/F plan it's only $20 per year.)

On my computer - I do a weekly full backup to my RAIDed NAS drive. Then quarterly I do a full backup to the external hard drive that's stored in our safety deposit box at the bank.

So I essentially have each file/picture stored in 4 different places - 2 local and 2 stored in the cloud. Can you tell I'm an old server admin? Backups are the most critical piece of a server admin's job.