I follow the good 9pd 3 2 2 rule. Three backups, in two locations, one is remote.
First copy on an external hard drive that gets mounted only for that, then unmounted.
Second copy still at home, on a disk connected to an OpenWRT access point in the patio.
Third copy on my VPS, so remote.
Each night restic take care of all that.
This, run your own instance.
That's the point I guess. You don't like others rules? Set your instance and live by your rules.