[daydream]

Local vs cloud backups each have their own tradeoffs. I use both.

For cloud backup I use Arq backing up daily to AWS (no affiliation with Arq other than being a happy customer). You get client side encryption and the daily backup directly mitigates your concern, if there’s an AWS account issue you will know immediately and can fix it. For my storage amount and use it only costs about $2 a month.

[skulk]

if you accidentally create way too much data and it gets automatically hacked up, do you get a huge bill? Or is it capped somehow?

[daydream]

I don’t know. I’ve been using this setup for 7+ years, daily backups, and never had this problem.

I have about 80 GB or so of data being backed up. The daily backups upload only new files plus files that are changed. The largest monthly AWS bill I ever got was $6. The next month it went back to the usual ~$2 range.