I use cloud storage for most of my documents. My NAS runs a daily job to pull down any updates. Once a month it encrypts everything and sends it up to B2. I definitely have room for improvement there and need to look at moving to daily differentials or incrementals. I'm also probably moving to glacier, unless B2 comes up with something comparable.
The only thing I do locally is video editing, because pushing lots of 4K over my 300/300 FIOS connection is an exercise in extreme patience. But once I'm done, I back that up to the NAS. From there a separate job encrypts and backs it up to B2.
So if my Windows drive got obliterated today, I wouldn't lose anything worth saving. I'd just have to deal with a reinstall.