Here’s a simple habit that might save your bacon: Run a full drive image backup at least once a month. I rotate through a couple of drives so I can go back a couple of months if necessary. The app is SuperDuper! and there’s a free but limited version for the Mac. I run a full backup at the beginning of every month. This is in addition to the Time Machine backup that is constantly churning.
The beauty of the full drive image backup is you can plug this in to any modern Mac and boot right from the backup drive. Zero downtime even in the most catastrophic events. Also – store these backup drives in another location.