You just have to find some tools and services that are "fire and forget."
This is what I do:
1. All my working files are in my Dropbox account (or my corporate Dropbox account). I did this initially to support working off two machines interchangeably, but the fact of the matter is that this creates an easy versioned backup of your "live" files. Nowadays, my Dropbox is fully mirrored on TWO backup computers here in my office (ie, a spare machine and an old machine).
Setup Effort: Minimal. Ongoing Effort: Almost zero.
2. Because I use a Mac, I have Time Machine. It's glorious and can save your butt. It's the ONLY of these mechanisms I've ever had to use at scale (after a break-in and a stolen laptop). It worked flawlessly. Use it if you can. Every year or so, I get a new TM drive and archive the old one.
Setup Effort: VERY Minimal. Ongoing Effort: Zero.
3. I also use Backblaze for offsite backup security. I happen to live on the gulf coast, so major storms are a concern, but there's probably some house-eating danger wherever YOU live.
Setup Effort: Moderate. Ongoing Effort: Minimal.
4. Finally -- and this is the only part that needs actual action -- periodically I take a full image backup of my main machine's drive and archive it.
Setup Effort: Moderate. Ongoing Effort: Moderate.
I keep my newest image and my last TM drive in someone else's house, too, but that MAY be paranoia.