[sys42590]

Previously, I used https://freefilesync.org/ to sync my digital life to external USB storage (now I use an equivalent script that's even more hands-free).

I recommend two drives (or more) of which one is always off-site, ideally not in a car due to extreme temperatures.

Of course, all drives should be encrypted with a strong key (use whatever suits you and your OS: File Vault, Bitlocker, VeraCrypt, LUKS, etc.). Encryption should be done in a way that the drive can be decrypted on a freshly bought computer if needed.

Depending on how much data loss you can accept, you can run a physical back-up weekly, monthly, quarterly, whatever suits you, just set a reminder in your calendar.