You are a lot more methodical than I am.
I basically started in operations as a tape monkey (can we still say that?). Having seen how badly things can screw up if you let them, I'm pretty serious about my data. People used to keep shoe boxes and albums full of family pictures and stuff. These days most of that is data, and if you lose it, it is gone forever. My backup regimen is mostly hands-off, as I set it up and let it do it's thing for me every day. About once a month or so, I do the offsite drive thing, mostly because I really am paranoid. For most folks, just having a backup is more than enough.
One really nice feature of OSX is the "time machine" program that lets you pretty much continually back up your data without even thinking about it. The functional bit if that program is pretty similar to how 'backintime' works, but with even less intervention. Folks running OSX really have no excuse for not having backups.