I think the practicality and long-term monthly cost of backing up multi TB music files should be considered. I personally have a simple 2-disc NAS as backup, not only for music but for pictures and documents. A very decent 2-disc NAS setup with 6TB storage would cost me less than $700 new now where I live, so do I want to upload all my music files to the cloud and pay a monthly fee forever? To me, probably not. I have 3 copies of my music, one on computer that rips the CD, second on my NUC, and third on my NAS, but you are right, none of these are offsite storage from backup point of view, but for now, I “think” I am good.