Re: so I never saw a need for backing up photos
I have scanned family photos going back to the 1890s and sketches etc going back further than that. There are 4 backups of these and the other 50,000 family photos etc which are in various locations. Burned to disk and in a safe, 2 different cloud backups, 1 on a local synology box (which has hot swap drive and also backs up to the cloud) and one copy on my PC.
I'm paranoid about losing any of those images, but as i spent many weeks organising and scanning them in, I'm aware of each and every one and they matter a lot to me.
If you value your stuff people, put the damn effort into keeping it safe. It doesn't have to cost much in time or cash..