I think my keyboard and mouse use Bluetooth 5 and they have been rock solid.

While I use cloud for automatic phone and picture backups just because it’s built in to the OS, all manual and PC backups are to NAS via RJ45.

I suppose it depends on your needs but a NAS/external with the smallest disk you can find would take a while to pay for itself if you compare it to a 99p a month cloud storage package.