I assume you basically want protection against disasters, but not high uptime.

(E.g. you likely can live with a week of unavailability if after a week you can recover the data.)

The key is about proper backups. For example, my Nextcloud server is running in a datacenter. Every night I replicate the data to a computer running at home. Every week I run a backup to a USB drive that I keep in a third location. Every month I run a backup to a USB drive on the computer I mentioned at home.

So I could lose two locations and still have my data.

There is much written about backup strategies, for example en.wikipedia.org/wiki/3-2-1_backup_rule … Just start with your configuration, think what can go wrong and what would happen, and add redundancy until you are OK with the risks.