Let me serve as an object lesson here. I'm one of those people who DOES routinely back up her local data, but I'd been moving more and more of it to my Google Drive account. I kept idly thinking I should find a backup solution for that...some day.
One night, due to a series of unusual events, I unknowingly threw away a business database that was in Drive, and then, for the first (and last) time ever, I purged the trash.
It took me TWO MONTHS to rebuild that database, and some data was just lost forever.
I wanted an automated backup solution so I went with Spanning Backup. (The irony of paying to back up a free service is not lost on me.) I still don't feel completely secure, however, because Spanning will only restore data to the same active Google account. Since Google has been known to lock down accounts that have been hacked (or that it thinks has been hacked), if that ever happened and I couldn't persuade them to reopen my account, I would still lose my data.