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EB - I use 3 hard disks in sequence - two always live in another room. It's not perfect, but pretty good for my purposes, mostly personal - music and the like. I have some client work, but if the house burned down, there would be other problems!
When I was looking after Solicitors' records, everything was backed up to tapes and stored offsite.
I went to one firm who had been backing up religiously, but found that they had been backing up the standing info, but none of the current files for several months!