Remember also those $50 a year backup services are a limited amoutn of data, it would cost me a lot more to back up all mine.
No. Carbonite is unlimited data $50 per year.
Again, this is plan E for me. Having a local backup or four is a good idea too.
A reliable, up-to-date, OFF-SITE backup is the part most people skip.
Also, if a hurricane turns your house into toothpicks, I would rather bet on the off-site, on-line storage than anything on-site.