I’ve had very bad luck with raspberry Pi’s and SDCards. They just don’t seem to last very long. I swapped to usb storage and things got somewhat better. I just had a usb drive die after 3 to 4 years of use. When I was still using SD it seemed like multiple times a year. Heat. Power loss, you can only punch holes in silicon so many times before it wears out. Whatever the reason.
My approach for this is configuration backup not the entire os. I think this approach is better for when it’s time to upgrade the os or migrate to a new system.
For my basic Pi running WireGuard and DNS, I keep an archive of documentation on steps to reconfigure the system after a total loss. Static configs are backed up once, and If there are critical configuration items that change then I back those up weekly. I’ve got two systems (media related servers, not Pi’s) that I keep ansible playbooks to configure 90% of the system from scratch so it’s as hands off as it can be.