Keep local copies of your data as well. I use USB drives.

So far every service I use has a way to download my data. I have been backing them up 4 times a year for several years now. Obviously big stuff which won't change needs to be handled differently to active stuff.

I've backed up my personal files. But they lie on a with macOS encrypted and APFS formatted hard drive. So even if I have backups I have to make sure that they are encrypted but also readable by all operating systems...