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I have to say I've been very happy with paying for the Dropbox Plus service. Not only are my important files safe (including my calibre library!) but I've been able to share scanned photos with the whole family. I have all of my parents' and grandparents' photos, and it's been simple for my siblings and cousins to have access to them.
I have some redundancy in my storage at home, but I ever have a catastrophic loss there, at least my most important files are safe. My oldest daughter also has the password in case something were to happen to my wife and I. I'm not critiquing anyone's budget decisions, but I know that for me the peace of mind has been great and well worth it to have the full 1TB.
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