I use the cloud only for backup (Carbonite) and even there, some files are not on the backup list.

Everything else (my data and files on my D-drvies) is backed up on different hard drives and USB thumb drives, often manually.

I recently got a couple of external portable hard drives on sale and finally set up a C-drive image backup. I had no backup at all for my system/applications drive (the one thing I would have to rebuild from scratch given a C-drive crash.

My laptop is the only computer where I have no real choice to keep my C-drive and D-drive on the same physical disk.

The most likely computer disaster is a hard drive failure, and local backups work for that. If my house gets hit by a meteor, there's still Carbonite, but you don't know the meaning of patience unless you've tried to restore three hundred GB of files across the internet.

I grew up with terminals, where the only thing in my personal control was the keyboard and screen. I have no particular urge to go back to that