Very sorry to hear this, when it happened to me, I found that my backups were incomplete - although my backup software reported no issues. Scotch did help with the pain, a little.
Like others, I have a few different backup strategies (RAID, rotate drives to and from safety deposit box, cloud storage).
One technique that I found helpful is to get a friend or family member who is technical (or semi technical) and agree to provide online storage to each other.
I happen to use ARQ, and a buddy and I both set up an SFTP server. ARQ encrypts the data with your user defined key… so even if I get nosy, I can’t see what my friend’s data is (and vice versa). ARQ allows you to set time and bandwidth limits, so neither one of our network gets hammered if I’m backing up a new 40 disk box set.
Again, sorry for your music loss…