You have to decide how important your data is. You might divide it into a few categories and decide what you can or cannot afford to lose for each category. For example your password database and family holiday pics are often more important than nearly everything else! Then you decide how much money to throw at all this. It's all a big risk assessment thing.
If you will insist on cloud then please use two of them or one and a local backup system. For really important stuff you can buy a brand that you have heard of 128GB USB stick for about £13 (just checked on Amazon). That's bugger all cash! Buy 10 of them.
Please take responsibility for your data. Use cloudy stuff for convenience but do not lose sight of who really is responsible for it - you.