Speaking with my professional hat on (I do backup and recovery for a living), well over 90% of the restores I've been asked to do have been for single files that were accidentally deleted
For this use-case, periodic snapshots of the volume in question work well. A simple cron job will let you rotate ZFS snapshots and clean up old ones so you can have hourly ones for a day, daily ones for a week, weekly ones for 3 months, and monthly ones for a year (or whatever) and can restore accidentally deleted files without having to go to any external media. Backups on external media are for when something very bad happens to your system.
Tape drives are expensive? Guess what - so are BD recordable drives.
Not really. The BD writer in my NAS cost me £63, over a year ago. 25GB disks cost about £1, 50GB ones are still close to £5. So, somewhere between £5 and £10 for 100GB, depending on how willing I am to use the lower-capacity disks. And these prices are likely to follow the same sort of curve that CD-RW and DVD-RWs did. LTO-1 tapes are about £13 for 100GB, so more expensive per GB than even 50GB BD-REs. The cheapest LTO drive I can find with a quick search is £1000. That's LTO-4 (LTO-1 drives are probably available second hand, but comparing only new with new), so to compare tapes I suppose we should use LTO-4 ones. They cost around £20 for 800GB, so per GB they're a lot cheaper than BD-RE. To back up 2TB, I'd need a drive and three tapes, so that's about £1060. With a BD-RE, I'd need a drive and 40 disks. That's £460. For a home user, the optical disks are a lot cheaper, and you also get random access, which makes restoring easier.
Once you get up to datacentre scales, things are different. The price per GB for tape is a lot lower and so it makes more sense. If you're backing up even 1TB/week, the cost of media for the optical drives quickly overshadows the lower up-front cost. The faster write speed for tape is also useful.
On the other hand, if you're just dumping data and never reusing the external media (so you can go back to backups from a long time ago), the media costs start to swing the other way. BD-Rs are very cheap. 50p/each for 25GB disks (CD-R and DVD-R went down to 10p/each so BD will probably keep falling), so you're looking at a similar cost per TB to LTO.