I just have a cron job running a simple bash script on all my machines (Linux, macOS) that compressess all my personal files (mainly configs and docs) on a daily basis. It then uploads it to a local NAS (just two USB sticks connected to a Raspberry Pi; might upgrade to a proper homelab at some stage). This is in turn backed up to Filen (Germany based). The backups include 30 daily backups + 12 monthly backups.

As for system-level backups, I just use btrfs automatic snapshots (via Snapper).