I handle the situation by ruthlessly deleting anything and everything that I don't need (and I've found I don't actually need much).
The things that I consider vital (not private, mind you, "private" rarely enters into my personal algorithm for keeping something) will easily fit on thumb-drives. So I have many that I rotate, update, and physically relocate often.
I've lost enough data over the years to realize that it's never been as tragic as I feared it would be. I'm not interested in exchanging the curation of physical troves of important "stuff" for electronic ones. I've mostly eliminated both. Less stress.
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