This is why I suggested to have a dual model. Leveraging the cloud and services is really a good choice as long as you have backup systems running independently as well. Your backups may not be as powerful and full fledged as the main provider but in case of emergencies like these, you still own your data and hardware and don’t panic.
In this example a weekly backup of iCloud to a drive connected to a pi with rsync could be a simple solution. 6tb is not even that much given that 500$ gift cards are being used by the author. The backup is not great but it is easy to see why it’s also necessary to own your data.