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The cloud storage is backed up to an external harddrive (only like 200 GB) and the on site stuff is backed up to the cloud.
If we end up with the office burning down and a ransomware attack or something at the cloud storage at the same time we are beyond fucked anyway.
At home I've got nothing important enough to care for either.
What I'd do is occasionally take an external harddrive with a backup to another site. Does not need to be fire proof. Sure you can have two simultaneous fires, but you've got to draw the line somewhere.