Having lived through several PC crashes that demolished my data in the bad old days, I now rely on the "suspenders and belt" strategy of ensuring that my stuff can be retrieved, even if my computer is a total loss.
First, I use and automatic backup that begins at 5 pm every day (this is my 2022 update).
Second, now that I've given up the PC world and become a Mac fan (remember, "fan" is short for "fanatic"), I have Apple's Time Machine backing up every hour to an external hard drive that sits right on my desk. Really worst case, I'll lose an hour. Who can beat that? This is the suspenders part, the extra bit of insurance that lets me feel secure about my data.
2022 update: I have another external hard drive for photos, videos, and other genealogical items I do not ever want to lose!
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