@inthehands After years of messing around planning out how to build something myself, my father passed away and I got to be keeper of all photos.
Commercial home Synology NAS, backup of all photo and music, and Backblaze backup of the NAS itself. Which I did test.
Cost a few hundred in hardware, and about $100 a year for backup, if I recall correctly. That was surprisingly cheap.
And then it really just worked.