My setup is similar to yours, but I also distribute my most important data in compressed (<5GB) encrypted backups to several free-tier cloud storage accounts. I could restore it by copying one key and running one script.

I lost faith in most paid operators. Whoops, this thing that absolutely can happen to home users and we're supposed to protect them from now actually happened to us and we were not prepared. We're so sorry!

Nah. Give me access to 5-15 cloud storage accounts, I'll handle it myself. Have done so for years.