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I gather you leave all your digital presence to cloud services? If it ain't in your computer, you don't own it. I've seen people deal with all sorts of problems because they only had one copy of whatever digital file. Computers aren't eternal, if anything they are actually more fickle than some physical mediums. Don't trust mega corporations to keep your data safe, some will sneeze, fuck you over and won't care because either you weren't a paying customer or your problems just aren't profitable enough for even a real human to look at your pleads for assistance.
I just have my photos, that are on the cloud, yes, as they are all taken by phone. I hadnt considered needing a backup for those, and I am not sure I will, but it is an idea. I mostly take them to share with people, I am not really the type of person to go back and look at photos. Nothing else that feel worth backing up.
I used to hoard various files like work stuff, uni materials etc, but time and time again I find I never go back to them, so I don’t really keep stuff like that anymore.