I use some cloud services - photo sharing, email, things like that, if someone sees my vacation pics I don't care. What I don't do is upload a backup of my phone to the cloud. It's stored locally and it's password protected. Yes, the password could be cracked but end of the day I don't save anything earth shattering in it and I've raised the bar significantly - no fappening for me!
Likewise system backups are done locally as is media storage - my storage has grown over the years and been upgraded as needed. I'm currently pondering backup up to the cloud - but it will be within an AES 256 encrypted blob that I have control over and password protected. Again, it could be cracked but I'm balancing risk vs gain here and this backup will be a "break glass" sort of thing and not something I ever hope to HAVE to use. I'll use a hefty long password for it for sure - kept in a password manager that's also storing AES 256 blobs for me.
I don't run this on a full on RAID box either. I use unRAID which boots from a thumb drive and seldom needs patching. It maximises space for drives consumed, minimizes electricity use, and if I want can run Docker or even VMs as needed but I don't do that. I do run VMs on another server though but it's kept separate and could burn up and not touch my main storage. The unRAID box just purrs in a closet, I've run one for about 7 or more years now - no data loss.