ITs up to you.

I'm happy with many copies of my core files that I desperately need (photos and or stuff that gets me money)

I have my ZFS box, which is backed up to a remote disk miles away. My time machine has a few local copies too.

Just be ware, snapshots are not the same as a full backup.

They are brilliant, but not a backup.

Yes, multiple backups, kept at remote places. Don't store the backup in the server room! ;-)