Especially when the option is just for them to pay $10 or something to a huge company that'll have pretty much 100% uptime and zero chance of lost files.
I have the same setup as the person you're commenting to, initial setup was easy. Just test out your backup strategy thoroughly.
If it was a matter of "just" not fucking around and "just testing out the strategy", everyone would just resell B2/S3 capacity with a markup.
Having the only copy of someone's family photos is not a responsibility I'm willing to have. YMMV though and more power to you if you want to do that.
Especially when the option is just for them to pay $10 or something to a huge company that'll have pretty much 100% uptime and zero chance of lost files.