Earlier quoted context omitted.
In my first job as a system tech for an IT company in 2014 we had a backup process run at 17:30 and whichever admin left last would take the backup HDD with them home lol. It worked! There was also onsite redundancy with replicated windows servers in an office across the street, which was enough. Simpler times even just 8 years ago!
Which is ok if there isn’t a local disaster which wipes out your office and your friends?
No shame in it, I myself have one, but you shouldn't be concerned with this scenario even if it happens.
Life is too short to waste on ruining your life over planning on how to ruin your life even further after a rare life ruining event has occurred. I doubt you'd be working, or having any real coherent thoughts, for many years in that scenario.