SHJ,
I strongly suggest you take a look at Backblaze. It might change your opinion of cloud storage.
Five dollars a month for unlimited storage. Runs in the background and quietly updates the archive to match your local files.
If disaster strikes, they will ship an external drive to you. For accessing a few files, you can do that online, which is very useful if you are away from your computer. The only potential drawback is that old versions of files are not retained. This is not an issue for me since I use Time Machine on my Mac.
I complement Backblaze by running SuperDuper once a week or so, which updates an external drive containing a bootable clone, which has proved very valuable after a disk failure. There is similar software a available for Windows.
Concerning disk failures, I’ve had three in my career - two spinning disks and one SSD. In the case of the spinning disk failures, there was prior warning in the form of write errors. So the lesson here is that if errors start occurring, replace the disk! If a spinning disk fails, there is usually a chance you can recover some data but with an SSD, there is no chance.
Having a backup online gives me peace of mind when contemplating hardware failures.