My personal interpretation/variation of this is to use two different backup formats, even if everything ultimately ends up on hard drives (whether my own or a cloud service provider's). I usually will do 1 file backup via Duplicacy (but Restic/Borg/Duplicity/Time Machine work just as well) and 1 system image backup via Macrium Reflect/Carbon Copy Cloner. The file backup gets copied to Backblaze B2, the image backup stays local.