Selfhosted
A place to share alternatives to popular online services that can be self-hosted without giving up privacy or locking you into a service you don't control.
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- selfh.st Newsletter and index of selfhosted software and apps
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If your main motivation is never going through that kind of digital loss, please please please do yourself a favor and do not rely solely on a local solution. If there's a fire in your apartment, the best nextcloud setup isn't going to do shit for you. Look up the 3-2-1 rule if you want to be safe.
Exactly!
And if your budget is constrained, pick offsite backups over RAID, because RAID isn't a backup. Offsite can be as simple as a drive you leave at work and resync a couple times/year, or a service you pay for monthly. In either case, regularly check that the data is good (e.g. for hosted services, ensure payments are still being processed).