My "backup routine" consists of storing photos in iCloud, which is then syncronized "real time" to a local Mac Mini.
From the Mac Mini i then run scheduled backups to a local external harddrive, as well as a local Raspberry Pi running Minio, and nightly to OneDrive.
The external harddrive backup uses Timemachine, the raspberry pi backup uses Kopia, and OneDrive is done with Arq.
Furthermore, i make yearly archive discs. Identical copies on M-disc Blu-Ray media, stored in geographically different locations. Each disc contains the photos that have changed in the previous 12 months, and no encryption/archiving is used.
Alongside the M-disc media i keep a couple of external harddrives that contains the entire photo library. These are checked (with badblocks, non-destructive surface scan) yearly, updated and rotated when storing the new M-disc media.