it’s cheap but pretty annoying to manage (e.g buying raw disks and handling backup myself)Back-ups are easy. It's just a matter of a script and scheduling to back all your stuff up at least daily, in the wee hours of the morning.
More 'out of sight, out of mind' is the periodic checking of those backups to make sure you can restore from them. Which is why I do raw file backups of directories: no compression, no weird filesystems. Any single file is just as accessible off the backup disks as the original file on it's "original" disk.