If you have any data on any of your devices that is important and irreplaceable, you owe it yourself to have a backup system in place. Don’t wait until it’s too late as a lot of my clients do.
Just think about all the important documents, photos, and other files that you would pay an arm and a leg to get back in the event of a data loss. Ideally, you should have at least one cloud backup and at least one local backup.
Carbonite, Google Drive, OneDrive, iCloud Drive, Dropbox, etc. are all examples of cloud data backups. The advantage to cloud backup says that most of them are automatic so that’s so long as your computer is online and on it’s always backing up your data to the cloud. Additionally, should a house fire, theft or hard drive crash occur your data in the cloud would be safe.
I also suggest a local backup. This can be done using a thumb drive or external hard drive and gives you a second layer of data redundancy should your cloud backup fail. Hard drives are just like any other device they all eventually fail. When that happens imagine what you would pay to get back your family photos, work documents, etc. That amount almost certainly exceeds the cost of setting up a cloud and local backup system. Data loss is inevitable. Why not get out ahead of it so you can survive it with minimal impact.