First I have a local copy of my data living on my actual hard drive.
Next I use PikaBackup (via borg) to encrypt and sync that to a cloud server I run that has about 200GB of storage for these backups for about $1/mo added cost.
Next I use the Backblaze Cloud tool to synchronize those encrypted backups to B2 using `b2 sync --delete` command. It runs automatically via cron every night. The costs here are about $0.01 per month since I only get charged what I actually use.
Backups are pruned and I can easily control the schedule, copies, etc. If I need to recover a file it mounts as a file system that I can easily navigate using any tools I want, including the command line. I can also mount older or different snapshots.