Given I worry about this sort of thing for a living and am a partner in the firm: I think in terms of backup, DR, BC, availability and more. I have access to rather a lot of gear but the same approach will work for anyone willing to sit down and have a think and perhaps spend a few quid or at least think laterally.
For starters you need to consider what could happen to your systems and your data. Scribble a few scenarios down and think about "what would happen if ...". Then decide what is an acceptable outage or loss for each scenario. For example:
* You delete a file - can you recover it - how long
* You delete a file four months ago - can ...
* You drop your laptop - can you use another device to function
* Your partner deletes their entire accounts (my wife did this tonight - 5 sec outage)
* House burns down whilst on holiday
You get the idea - there is rather more to backups than simply "backups". Now look at appropriate technologies and strategies. eg for wifey, I used the recycle bin (KDE in this case) and bit my tongue when told I must have done it. I have put all her files into our family Nextcloud instance that I run at home. NC/Owncloud also have a salvage bin thing and the server VM I have is also backed up and off sited (to my office) with 35 days online restore points and a GFS scheme - all with Veeam. I have access to rather a lot more stuff as well and that is only part of my data availability plan but the point remains: I've considered the whole thing.
So to answer your question, I use a lot of different technologies and strategies. I use replication via NextCloud to make my data highly available. I use waste/recycle bins for quick "restores". I use Veeam for back in time restores of centrally held managed file stores. I off site via VPN links to another location.
If your question was simply to find out what people use then that's me done. However if you would like some ideas that are rather more realistic for a generic home user that will cover all bases for a reasonable outlay in time, effort and a few quid (but not much) then I am all ears.