"Get a Mac? I second that suggestion."
HFS+ is
not a better filesystem than NTFS (both have their weaknesses and neither have integrity checking) and won't save your bacon when the !!!! hits the fan.
Hint: Why do you think Apple sells Time Capsules?
For the truly paranoid Mac user here is one setup -
The paranoid person's guide to a complete Mac backup | Macworld
ReFS is just a cheap clone of ZFS, isn't it?
No, but it's still very much in beta. With integrity checking turned on (which is most of the point!) it is horribly slow with high latency - much slower than NTFS or ZFS.
ZFS is
not the be-all and end-all of filesystems and it certainly is no substitute for an in-depth backup strategy but it does to a very large extent ensure file integrity. Not much help when your drive goes up in smoke, but at least you know that your backups are almost certainly good (provided they haven't gone up in smoke too...).
Defence in depth is the way to go but you have to be sensible as well - your OS and apps can be restored (you
do have
all your bought SW keys stored away somewhere where you can find 'em?. Nothing like dead-tree printouts in a variety of places!)
If your backups of irreplaceable family photos are unreadable then you are SOL - the grand-kids will never see 'em.
Mac