No 2nd backup of pictures in the cloud? You don't make 3 backups of important files? It's worth the money.

Once I had bought a computer, long time ago. Was the first computer I had ever built and I was so proud of myself. I had it a few years, then one stormy night, while it was on we had a power surge. The computer was plugged straight in the wall. Fried the power supply.

That got me thinking about computer problems more. Everything that could go wrong at any point in time as a surprise. You must thing of the worst, and prepare a plan for it. Just in case.
Make backups of all important files. Files that can't be recovered or easily downloaded to the internet. Have 3 locations for those files. Your computer, the cloud, and another hard copy. Most Important files should not be saved to your computer or the cloud. They should be on 3 separate USB drives. One in the gun safe (any safe), one in a safe deposit box, one in a secret location only you know where it is. Not in home, Not in bank.