As an average-techie person, the only piece of data that i truly practice 3-2-1 is photos and videos. 1 on my phone, 1 on my small server running Immich, and 1 is on Google Photo(sadly, the quality is loss, but i can live with that).

Most of other data i only have 2 backup, usually 1 at my local machine(code) and 1 online(github). Yeah it's not ideal, but another question to ask yourself, is it truly worth it. I trust the engineers at MS doing much better job at backing up their data than me.