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.
For the house burning scenario, a cheap strategy is having one or two old HDD's in USB cases, located somewhere away from your house, in a place you regularly visit and trust security-wise. Then you can just make a habit of dumping the files there whenever visiting. Most important data of mine is safe even if internet goes down and somebody nukes the city I live in, for zero recurring cost.