I think you are on the right track. In addition to your time machine you need to also backup to something external to your home. This protects your data against theft, fire, flooding, cyclones, earthquakes, pestilence, terrorism, etc.
Based on comments made on your previous thread I use backblaze(.)com to backup to the cloud. Reasonable price, $50 a year, and easy to set up and run. Initial backup took a few
days, but incremental backups are completely transparent. You have a high security option that encrypts your data to 'unbreakable*' standards but don't lose the key!
My (anal) backup strategy consists of;
- Apple time machine. gives me quick and easy access to data history;
- Documents, Photos and Music folders mirrored daily to Wife's Macbook, so they are identical;
- Documents, Photos and Music folders cloned daily to external drive;
- External clone (CC Clone) of internal drive. Bootable. No history but allows me to get up and running should internal drive fail; and
- Backblaze
#3 no longer necessary but since it was already set up ... With #1 and #5 I probably don't need #2 and 3 but ...
When we moved ISPs to cable provider I turned off their wifi and continue to use Time machine. Works for me.