Re: SystemD ? Was THAT What Buggered My Mint AND Laptop ?
Living long enough to have ton of experience is not paranoia (although it can help!). Instead, try the other "P" word ... pragmatism.
Backups are a vital part of properly running any computerized system. However, I can make a case for simply having multiple copies (off site is good!) of all your important personal files being all that's needed for the average single-user, at home system. The OS can be reinstalled, your pictures and personal correspondence (etc.) cannot.