I have my photos on my personal computer and some of them on my external hdd. I manage and edit them with lightroom. I backup everything from time to time on two external hdds with rustic. I export albums to google photos and personal (mine and my gf) stuff on onedrive. But it's only exports - lower resolution and after-edit jpgs.

[edit] only time I lost some image was because I have waited too long to copy it from my camera to the computer :)