Have a TrueNAS server at home with a bunch of drives in a RAID-Z array. Backups go there. My pictures, which are probably my single most important item, are also there but get cross-backed up to a very good friend’s NAS in a different city. And his to mine.

My wife’s backups also go on BackBlaze because she would be much, much, much less tolerant of a local glitch than I would.

TL;DR local-first backups here. Time Machine makes it trivial except when it falls on it face and has to start over. Highly recommended if you can put up with replacing a hard drive every few years.