And it is true, you need to be backing up in every way possible and with local and cloud based copies, just in case something happens.
I use both Time Machine and Backblaze and even with that I can’t backup everything. I don’t have a drobo to be able to backup everything locally (my video is on a RAID 5, so if a drive fails I should be able to recover that, but even my Backblaze took the better part of a year to backup everything I had set to backup.
Losing a drive one or a whole computer will be the lesson to get you to start backing up, but you need to backup as much as you can and as often as you can, preferable constantly!