Put all personal data on a zfs z2 RAID system (FreeNAS). Take regular snapshots.

Someday I'm going to get a second offsite system to do ZFS backups to, but so far the above has served well. Then again I've been lucky enough to never have a hard drive fail, so the fact that I can lose 2 without losing data is pretty good. I'm vulnerable to fire and theft, but the most likely data loss scenarios are covered.