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I have a server in a closet with a few hard drives attached to it.
I use the wonderful https://github.com/garethgeorge/backrest as a web UI around restic.
Every night, I back the data up to a Hetzner storage box https://www.hetzner.com/storage/storage-box/ which is only ~$3.50/mo USD for 1TB of data.
I have three "tiers" of data for myself:
1. Important things I care about: these go into a folder that gets backed up to Hetzner (examples include photos backed up through Immich, code pushed to Forgejo, etc)
2. Smaller files I sort-of care about: these usually just go into Proton Drive (examples include design documents)
3. Large files I don't care about losing: these go into a folder on a hard drive that is not backed up (examples include media)
This took me about a day to set up and I just check in on it every once in a while. Once a year I will do a practice disaster recovery run.
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Fair warning with ZFS: do not turn on deduplication at the moment.
There is a straight up data loss bug in 2.4.3 (zeroed out files, totally silent).
https://github.com/openzfs/zfs/issues/18366
This caused all sorts of grief at day job where dedupe was useful for a big cache. Conversely I've run ZFS at home for like 15 years at this point and it's been great.
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My main backup server uses ZFS and I replicate (using my own https://github.com/fazalmajid/zfssnap but there are plenty of alternatives) to a 14TB USB drive using ZFS snapshot and incremental zfs send which makes it very fast, using ZFS encryption in case they get stolen.
I have two of these and rotate them weekly and keep one at my work (and I have a self-hosted healthchecks.io instance to remind me if I forget).