If you trust the cloud, you can put a copy out there. When I had my business, I kept a copy in my safe deposit box at my bank. They lost all their family photos, tax records, and more. And most recently, a friend of a friend had a bad guy break into their home and stole the computer and the external drive too. One person lost it all when his house burned to the ground. I know of several cases where the user kept the one and only backup on their external drive sitting next to their monitor. That is, keep at least one copy at a friends or relatives house. What is MOST important is that you have multiple backup copies with at least one maintained off-site. Again - much simply depends on what you are used to and familiar with. But frankly, the one built into W10 works great too. The Macrim Reflect Free is a great program. Just knowing none of my important files would be lost forever is fine, even if it takes much longer to recover and get a fully operational system again. So I kept regular image backups and incrementals too. When I had my repair and consulting business, if something happened to my primary computer, I needed it back on line yesterday. If you are not familiar with the process, even the most simple program can be daunting - or fail! That is, restore from a backup so you know how to do it. It really does not matter what you use - just have a robust backup plan and use it.
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