Use RAID on ZFS. RAID is not a backup solution, but with the proper RAIDZ6 configuration will protect you against common hard drive failure scenarios. Put all your files on ZFS. I use a dedicated FreeNAS file server for my home storage. Once everything you have is on ZFS, turn on snapshotting. I have my NAS configured to take a snapshot every hour during the day (set to expire in a week), and one snapshot on Monday which lasts 18 months. The short lived snapshots lets me quickly recover from brain snafus like overwriting a file.

Long lived snapshotting is amazing. Once you have filesystem snapshots, incremental backups become trivial. I have two portable hard drives, one onsite and one offsite. I plug in the hard drive, issue one command, and a few minutes later, I've copied the incremental snapshot to my offline drive. My backup hard drives become append only logs of my state. ZFS also lets you configure a drive so that it stores copies of data twice, so I have that turned on just to protect against the remote chance of random bitflips on the drive.

I do this monthly, and it only burns about 10 minutes a month. However, this isn't automated. If you're willing to trust the cloud, you could improve this and make it entirely automated with something like rsync.net's ZFS snapshot support. I think other cloud providers also offer snapshotting now, too.