I don't mab up my computer or the phone itself, because all my important data is sored on my self-hosted nextcloud or github. If my computer or phone kick the bucket suddenly and need to be re-imaged, it's just an excuse to start fresh with a newer OS amd less unused apps.

The self-hosted Nextcloud instance has its own built in encrypted backup which runs daily. I then aync that backup over to google drive (daily, I think) and then every 5 days also copy it over to a USB drive. These last 2 are done with a chron-scheduled shell script. The USB drive is 2 terrabytes, so it has plenty of space. The USB is set to keep 5 latest coppies of the backup.

About every month or so, I back up some of the more important pieces of data that are on my phone but aren't synced to the cloud onto a folder in the cloud, take the backup usb out. I take that USB to the bank ad put it innthe safe deposit box, take the second USB just like it out of the same box, plug it back into the computer and go.

So basically, if the hard-drive kicks the bucket, I have 3 versions of zipped up and encrypted backup: the latest one zipped on google drive, a few slightly older ones on the USB drive that's currently plugged in, and an older yet one stored in a safe deposit box at the bank.

I forgot to mention that my phone, tablet, and computers run data sync with nextcloud (some a limited one on just one or two folders, the other ones a full one. So copies of my data ate also on my various devices (so I don't have to rely on internet connectivity to access cloud data. Pkus it serves as backup #4.