Right now I just play with things at a level that I don’t care if they pop out of existence tomorrow.
If you want to be truly safe (at an individual level, not an institutional level where there’s someone with an interest in fucking your stuff up), you need to make sure things are recoverable unless 3 completely separate things go wrong at the same time (an outage at a remote data centre, your server fails and your local backup fails). Very unlikely for all 3 to happen simultaneously, but 1 is likely to fail and 2 is forseeable, so you can fix it before the 3rd also fails.