An example of the former is family photos and videos.
If you don't make the distinction you'll inevitably slip up in trying to cover everything.
Where you go from here can vary, but a good rule of thumb is: "three is two, two is one, one is none" in terms of copies of data. Redundancy is your friend here.
Media taken on my phone is stored on a cloud account as well as the local device, and usually for backups I do the following in order:
- External hdd backup
- a Blu-ray/DVD backup that is stored at a different geographical location from my device.
- AWS Glacier in a region on the other side of the world. (You shouldn't plan to use this for disaster recovery, it's a last ditch hail mary restoration effort and priced as such. Super cheap to store, expensive to retrieve).
Again, swap out individual storage mediums/services with your own preferences, rsync, tarsnap, whatever. But the general outline remains.