No that's too sketch, it needs to be encrypted. One to a flash drive, one to the cloud.

MUST be encrypted.

Veracrypt or just an aes256 string are good starts

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So export>encrypt on desktop>store on drive, is that at least passable?

Yes good start, but you have to be ready for your house to burn down, must have off-site storage

Put an encrypted copy on IPFS?