Sometimes when I have a Very Computer Toucher problem like this I look to what normies are doing to see if they have a superior coping strategy that would not have occurred to my overly-fussy ADHD software-dev brain. But the storage/backup solution I see when I talk to less computer-focused people is that they mostly just keep all their data on one device, and then it all gets deleted every so often when they lose or break that device, and then they are sad.
I don't like that solution.