Do you have to self host it?
I'm moderately decent at self hosting. I'm fairly confident in my backups and security.
But also, I am not a system backup nor security expert, and I don't want to become either.
The one last thing that I really want to leave to the experts is my secrets management.
You don't need to be a system backup expert to take backups, and with that attitude you will never become a system backup novice either. There is no gaurentee paid services will keep your data available either. One company lost my data and I was very glad to have backups.