The best solution is both remote and local backup. Local backups are easy, close by and quick but where is that drive when the fire occurs? A remote backup maytake some time with the initial backup but it’s remote, encrypted and saves multiple copies of your files in case you accidentally delete or mis-edit a file.
Still too much bother?
We can come to your site, install the local backup, copy everything to a USB drive for seeding to the remote backup and make an image of your PC while there Then every night all your critical data will be backed up to a remote server as well as your local backup. Data recovery would be very easy and secure.