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self hosting is an option!
I have a 4 bay Synology, so let's say I'm an infant self-hoster. It's running Synology Hybrid Raid, which can protect against a single drive failure. Even if the whole thing goes belly up, I should (painfully) be able to recover my data.
...Unless I have a fire or some other catastrophic event happen. Is there a good strategy to mitigate these risks? I am an officer 365 subscriber (yeah yeah), so the truly important stuff on the NAS, like culled photos, are also on OneDrive.