Think of it like this..
1. I have data. I save it to my computer. Ahh the good old days. Life was simple.
2. I have enabled the "backup to cloud option" so I am safe. Do I trust them?
3. I have a copy of it in house on a small disc or USB backup just in case.
4. If my house should burn down I have a copy of it safe elsewhere?
What is safe? Secure so others cannot gain access to it for subversive goals. So you cannot just "copy it" you need to copy it in a safe manner. Your data is your online ID and so if someone were to find it what possible impact could it have? So ensure it is encrypted. If it is online use a big%%long**nasty!!complex password and ensure it is encrypted.
So what do you do for computermabobs.
1. I use and trust the MS and Apple cloud backup. Apple more so because they have privacy as the core of their values.
2. I do a physical backup to an external USB disc which is encrypted with a password (256 bit encryption) which I keep at an external site. Once a month.
There is one other thing. You have NO backup unless you test it.
Do some type of restore at least annually to ensure it is working.