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If it's not something super critical in my experience the simpler solution is better for longterm or fool-proof backups.

E.g. if I use some special backup software that creates incremental archives or whatever, and then I die... My family would have absolutely no idea how to access that data. While with a normal NTFS partition and data on an external HDD they could just plug it in some PC and look at the family photos.

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I use a rsync script that does incrementals but keeps full copies of each backup. Although mine is significantly different, it is based on http://www.mikerubel.org/computers/rsync_snapshots/ by Mike Rubel.

It really depends on what we're comparing this to. If one compares it to a commercial solution that allows backing up to user-owned storages, then the commercial solution is simpler while having more functionality (including versioning).

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