History shows that when you do this, it gets forgotten. Nothing breaks if you don't do it, so it gets pushed to one side. In order to be effective for normal processes need to be automated. How many people die because they don't change the batteries in their smoke detectors. This will be much lower on the list.
I dunno, my smoke detectors complain loudly when its time to change the batteries, and they're also hardwired. Hard to imagine anyone able to suffer their incessant chirping.
That said, its been more than once when the detector was yanked off the ceiling and placed on the table, disabled, waiting for new batteries since they don't seem to have the grace to know what time it is when they start whining at 2am. Not sure how many have then had subsequent tragic fires after that.
What history also shows is that if something is important to someone, they'll make time for it. If its important to you to maintain an offsite backup, of any duration, folks will do it. Make a mark on the calendar, make the trip, whatever. If it's not important to them, they won't.
Like I said, shoving a hard drive into a sealed case and tossing it in the backyard covers a vast amount of catastrophic loss scenarios. Flooding being the most likely scenario. Most folks don't live in flood areas.
I also don't know about fire proof safes. Fire proof safes are designed to prevent the contents from reaching the point to burn paper, but I think that environment would be too hot for a drive. If a fire proof safe would work, that could handle a lot of the scenarios too.
Loosing recent data only is also not good. Recently changed is what is important. I need the download of this years insurance policy, to claim for the fire damage, not the one that expired last month...
To be blunt, if you can download it, you can get it back. You should always be able to retrieve stuff like that from the insurance company. Truth be told, there are very few official documents that can not be readily replaced. That said, if you lose your birth certificate, drivers license, and all of your other forms of ID, it can be a real bear to recover them. Not impossible, it takes some time, but its a bear. And recovering your ATM card can be challenging. Though its actually easier to recover a credit card, call the company up and say you lost it and they'll send you a new one -- assuming you know your CC # of course.
But, for example, the Birth Certificate, it's hard to get one without a credit card. It's hard to get money without your ATM card, or your check book. Thankfully my money is managed by several parties, all of which personally know me (including my bank), so hopefully that will not be an issue for me. But it did happen to my brother, who was locked out of his bank for a couple months. It was horrible.
My stuff goes to Onedrive as I create it. So its unlikely I would lose any thing....
... where is your stuff backed up? is it in the garage like my NAS box where a lightening strike would take it out?
Mine? I use Time Machine locally, and BackBlaze for offsite. Worst comes to worst, they charge me $140 to send me a hard drive, and I'm pretty sure that's just a deposit. But even if its not, its still a pretty good deal in my eyes.
BB will back up anything and everything connected to my main machine, I use sync thing to replicate my wifes notebook to a spare drive area so BB can hoover it up. I think I'm at about 1 TB now backed up.
And, yes, I use these because they're set and forget and work in the background.