…hanging from their cables…

It really depends on what your data is and how hard it would be to recreate. I keep a spare HD in a $40/year bank box & rotate it every 3 months. Most of the content is media - pictures, movies, music. Financial records would be annoying to recreate, but if there’s a big enough disaster to force me to go to the off-site backups, I think that’ll be the least of my troubles. Some data logging has a replica database on a VPS.

My upload speed is terrible, so I don’t want to put a media library in the cloud. If I did any important daily content creation, I’d probably keep that mirrored offsite with rsync, but I feel like the spirit of an offsite backup is offline and asynchronous, so things like ransomware don’t destroy your backups, too.