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More practical: the main version is on my desktop PC. That one gets synced automatically to my NAS. This NAS makes a nightly incremental backup to a cloud provider.
Once you have a setup like this, maintaining it is peanuts. Pay the bills on time and setup email alerts to let you know if drives are going bad or you’re reaching your storage limits.
You do need to ensure you’re testing your recovery plans once in a while. A backup is worthless if you can’t restore it
Remote wipes are possible. Log into your Apple/Google account, figure out how to find your device, then perform a remote wipe.