As what I do at home, for one I do not even have close to a TB of data. But I just backup to disk. having a copy of data store elsewhere is better than nothing. What home users should do is buy a couple inexpensive external drives and do regular backups of their computer HDDs, at least their personal DATA. Get a firebox safe and store the drives in that.

What I recommend back to the corporate/small business owners is to get at least 2 weeks worth of media as well as monthly tapes. Store the monthlies off site. They can spend the money on Iron Mountain or they can keep it in someone's home safe. (I don't recommend the home safe, but whatever works!). The more data you have the larger the the backup solution will be. But then you have to ask yourself how much is this data worth to the company?? Suddenly $20K is not looking to bad.