I'm a traditionally very paranoid, very DIY admin/hacker type.
A knowledgeable friend turned my opinion to the cloud a few years ago.
He simply asked me whether I had DLP, an IPS and enterprise-grade firewall for my home systems.
With that line of questioning, he made me realize that no jerry-rigged home-built network system can hold a candle to the security and robustness of a cloud solution, even a mere consumer-grade OneDrive or BackBlaze or something like that.
Since then I haven't really kept anything important on local storage. It's in the cloud, for better or worse now.
Yeah, but who’s going to seriously spend much time and effort to try and attack you? Obviously you are always at risk of automated attacks when a vulnerability comes out and attackers scan the internet for any exposed service vulnerable to it, but otherwise you’re not anything like the kind of target that a cloud provider would be (that they’d try to random for millions of dollars if they’re successful, and would have the personal data of millions of people to sell on the dark web when they don’t pay).
Unless you’re known to have data that’s particularly interesting, your risk is nothing like what they face…
