For a long time I did not use cloud backups. I found out the hard way that this is a bad idea.
I use to only use a local backup for my data. This way, someone could not hack into my account and obtain my information. However, a couple years ago when I had to reinstall my Mac's OS, I lost data because I was unable to complete a local backup before the problem occurred. If I had a cloud backup at the time, all of my files would have been backed up earlier in the day and I would have lost less data. Since then, I have been paying for a terabyte of cloud storage from Microsoft and it is a life saver. Last week my Mac completely died (I have been limping it along for a long time) and I had not done a local backup for over a day, but because I have OneDrive set up, I was able to sign in on another device and continue my work.
I recommend that you also get a cloud storage account. I recommend OneDrive, but there are other good cloud storage services available as well.
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