Personally I do:
- Daily snapshots of my data + Daily restic backup on-site on a different machine
- Daily VM/containers snapshot locally and on a different machine, keeping at least 2 monthly, 2 weekly and 2 daily backups
- Weekly incremental data backup in an immutable B2 bucket, with a new bucket every month and a 6 month immutability (so data can't be changed/erased for 6 month)
- Weekly incremental data backup on an other off-site machine
- Monthly (but I should start doing it weekly) backup of important data (mainly documents and photos) on removable medias that I keep offline in a fire-proof safe
Maybe it's overkill, maybe it's not enough, I'll know when something fail and I am screwed, ahah
As a note, everybody should test/check their backup frequently. I once had an issue after changing an IP address and figured out half my backups where not working 6 month later...