BTR:

 

I raid 4 x 2TB disks in a Raid 10 in my Mac and back them up to a NAS device. I am also in the process of moving a copy of my photos to a cloud based photo album as well. If you have UFB crash plan or something similar might work for you.

 

 

To me, anything just onsite is not backed up. Photos offsite is a good start though :)