1/ You're on HN, the audience isn't "everyday average people"

2/ This is like complaining that climate activists were harping too much 30 years ago, and that's why nobody listened

I agree, if it has too much friction it's more likely you will postpone it. Any option, either just a cloud backup tool or a spare HDD or SSD with CCC or TimeMachine is better than nothing. And you have to plan for the most likely case, e.g. spilling beer on the laptop vs the house burning down.