Somewhere in there I think was a serious question about how to preserve your digital – stuff. You already have part of the answer, which is “Not all in one place.”
Hard disc drives don’t last forever. They have finicky moving parts, and can die without warning. Solid state drives, with no moving parts, will probably be a lot more reliable over time, but one should never keep all of one’s digital eggs in a single basket, it’s just asking for trouble.
My own current method is to have a plugged-in backup drive behind my computer, which uses Apple’s Time Machine software to do hourly, incremental backups. Many versions of things are kept on there, and easily accessible. But beyond being on separate drives, they are right next to each other. They could be taken out by an electrical surge, a flood, or (on much more likely on Windows) malware. Such happened to my dad by one of those Crypto Locker programs, that got his attached backup as well as his main hard drive.
So I also do an incremental “clone” of my hard drive onto a second external drive. This drive should ultimately be stored elsewhere; not near to the main computer. But then you have to remember to do those backups. I use a product called SuperDuper, which updates the previous backup only where files have changed. But it still takes a couple of hours to run the backup, because I have a lot of digital “stuff”.
An improvement to the above system would be to add a second SuperDuper drive, and take turns updating them. Store them in separate places, like one at the opposite end of the house, and the other one at work. Then you should be pretty well protected from most disasters.
In addition to the above, I keep my most immediate, and frequently accessed “stuff” in my Dropbox account. You can get a free Dropbox account with 2GB of storage. This is less than Google Drive and some of the others, but much easier to use. Also if you recruit enough friends to sign up, you can build it up to 10GB or more, still free. That won’t hold a lot of photos, songs or videos, but is more than plenty for a huge amount of text-based information.
Most of my media is photos, which are still not practical to back up online due to the huge amount of gigabytes they take up. But if you only shoot JPEGs and don’t take a crazy amount of pictures (and don’t keep most of them), online backup is also a viable option.
Some companies offer unlimited online storage for pretty reasonable amounts. Dropbox has a business account for $15/month per user, but requires some minimum amount of users. You get unlimited storage, but only if you have enough people.
Hard drives keep getting cheaper and cheaper. Right now you can get a 4 TB external drive for $149 on Amazon. Crazy. And that’s not the biggest size on the market. That being said, don’t buy the cheapest hardware you can find. Aim for a higher-end model; something that should be more reliable. You’ll still need to replace it at some point, but the hope is that you’re paying extra to help ensure that it lasts beyond when you choose to retire it.