I have 4 drives.
Main in PC.
Older smaller, backup inside PC.
Haha, yes, get a power issue or some such and both can be killed.
Which is why I also have 2 not attached, portable drives as backup.
One lives in PC room, not on desk, not plugged in to PC.
The other is elsewhere, cause burglars are likely to knick the PC and any backup drives they see lying about.
4 drives...chances of loosing all 4 at once? Minimal.
Of course if your really want to be paranoid, have all that AND a cloud backup.
But don't just rely on cloud and nothing else.
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