I feel like the only responsible thing is to have a home network with at least one persistent device running 24/7 with large storage for local backups of things, and ideally a E2E cloud backup of the same thing. With this, comes the possibility of using things like Grafana+Prometheus to monitor your personal computer/workstation as well. This is what I've done, together with alerts from various things, and since the recent "excessive writes by codex" issue, also alerts if there is obsessive writing over hours long period from any process on my workstation. Luckily I wasn't hit by the Codex issue myself, but certainly made me consider the issue more generally so, happy accidents :)