> being cloud based so I never have to worry about backups
This is a dangerous mindset. No matter who you pay, or how much, or how often, the only one responsible for your data is *you*. Does it matter if you can sue a company for losing some precious piece of data if the data is unrecoverable, no matter what the cost?
Best of luck to you in any case.
Here is my logic ... I have a HDD on my computer with a failure rate of X, a similar HDD is in my external enclosure with a a similar failure rate ... the cloud folks also use a similar hard drive with the same failure rate ... so all my HDDs are probably similar to all theirs HDDs... you gain availability by being redundant on two HDDs or two cloud services ... there is nothing special about the physical HDD in your computer or enclosure ... they are the same failure prone mechanical devices used on the cloud ... my point is having all these contingency plans - my HDD, ghost to an external, copy to a cloud is wearing me out ... it is almost as bad as keeping up with the paper I worked so hard to digitize. So, don't fear the cloud ... just be redundant.
I get the redundancy thing, but I don't see how this is going to work better in real life. I guess I am not willing to pay several hundred dollars a year for 1 or 2 TB of data. Who doesn't have a few dozen gigabytes of music, movies, PDFs, pictures, etc. sitting around on their hard drive these days?
Something like Time Machine just does the backup, all you have to do is plug it in, and when you need the data on it, it is immediately available.
For the truly lazy, Time Capsule will do it over WiFi and you won't even know it is backing things up. It just does it. Then, the data is in your hands. If you need to access it, it is immediately available.
Rebuilding files from a service like Carbonite can be done, but it won't be pretty. I had a kernel panic and (long story short) ended up wiping my drive two days ago (true story). I was planning on upgrading to the new MBA anyhow, so it was oddly fortuitous timing (as my spouse was quick to note). Within minutes, I was back to work, and by the end of the evening, I had everything I needed in my computer and ready to go. No data loss.
You've found what works for you, and that is cool, but the reasoning about it being too troublesome doesn't seem very persuasive to me