Here are some options that I have experience with:
- Time Machine with offline disks: Since Time Machine supports multiple backup destinations, you can use a Time Capsule or hard drive that's always connected to your Mac, and also have one or more additional hard drives which you connect periodically and otherwise leave in a drawer.
Pros: Free, built into macOS, can browse file versions directly from many apps.
Cons: Needs ongoing manual intervention (i.e. plugging in the offline drives). Some reliability issues… but I've experienced the most problems backing up to my own SMB/AFP shares, so a Time Capsule might be OK.
- Backblaze (https://www.backblaze.com/) or CrashPlan (https://www.crashplan.com/): Both of these online backup services have $5/month unlimited plans, and both let you specify your own encryption key (in the form of an additional password), which isn't shared with the backup provider. Note: In my experience, Backblaze's client is much lighter on system resources/battery on Mac.
Pros: Inexpensive, off-site storage, low-maintenance.
Cons: Ongoing cost, requires trust (In theory, the client software could be sharing the encryption key with the company/the NSA/your nemesis).
- Arq (https://www.arqbackup.com/): Paid desktop software which can back up to many different destinations, including S3, Google Drive, or your own server via SFTP. You specify an encryption key for each destination.
Pros: Full control. Option to back up to another machine that you own (so no ongoing cost for hosting).
Cons: Up-front cost. Support is less straightforward than hosted solutions since Arq doesn't provide storage.