> Whom do you trust with your data?
Me.
And who really owns it?
Me.
What about in 3-6 years from now?
Still me.
How should I make sure that I retain access to today's data 20 years from now?
Keep it on a backup. When your primary starts to die, get a new primary. When your backup starts to die, get a new backup.
Is storing things locally even a reasonable option for most people?
Why not?
Also, if you do still have data in floppies (which, why, they were a great transport medium at the time, but never a particularly great long-term storage medium), you could pick up a usb floppy reader for basically nothing. 3-second google found one for 12 bucks, and I'm sure you could find one for cheaper if you spent more than 3 seconds looking.