Re: SSDs and HDDs both require backup...
Once every hour is too much to fill a disk with a bunch of hardlinks and one or two changed files. Can I configure Time Machine run to once every day or some other frequency that better suits my needs? No, because Saint Jobs didn't want to. Hence I ran it manually when I remembered. Lesson: Dumbing backup software down to a big switch is not a good design decision.
Yes, using the Download folder was silly, however I got the new files off there, interestingly enough using the UNIX command line as letting Finder near it sent it into fits. I could do this because I picked up on the warning signs that the HD was on its way out.
No, I don't think RAID is backup storage, I do know what the initials stand for.
I'm a walking disaster area that's managed to keep personal files for about 25 years, converting formats from one to another as I go so the data is still readable. OTOH if I were your employee I'd be looking for another job anyway because a) I wouldn't be happy if this is how you motivate your employees and b) you're probably running your precious little company or profit centre into the ground while blaming everyone else underneath you anyway.