>also a good time to remind people that backups are not backups unless they're geographically diverse

I don't mean to jump on you here, but seriously I don't think this is fair, and additionally an attitude that I think can sometimes be at least mildly harmful. Data redundancy is a spectrum, not binary. Each additional option one might use helps against additional threat scenarios, but also at additional cost, complexity, and usage requirements. Some of the other replies to your comment are correct on things like "testing" and such, but I'd argue the ultimate Rule 0 of "backups are not backups if..." would be "backups are not backups if they're not actually used". All the possible media and geographic redundancy in the world, all the possible verification and regular testing, none of it matters if the result is too inconvenient or just plain too expensive for the operation/users to bother with. Remember the kinds of situation diversity people face; huge portions of the world, even including business operations in America, have poor net access period, and a much higher slice then that are dealing with highly asymmetrical links even if the download is ok. The kinds of natural disasters, crime threats, and so forth all vary from place to place also. And even if their data is reasonably valuable, for some places even just an extra few hundred or few thousand dollars/euros a year isn't nothing.

What is binary is that anything is better then zero. I have genuinely dealt with people, not just regular users but folks wearing IT hats in rural SOHO scenarios, who got discouraged by being told that they didn't have "real backups" (implying naturally that they didn't "really care" about their data) because they failed to check all the boxes an enterprise in SV easily could, and ended up just kind of giving up on most anything. In my experience any sort of orderly backup process at all still isn't always the rule, so I worry about mental and implementation friction there, even though it's true there's a need to push on folks a bit to have at least a minimal quality solution too.

Still, if someone regularly plugs in a USB drive to their desktop and runs an rsync script or TM or something every evening when closing up? Yeah, that's a backup. No it doesn't cover the place burning down, but it does cover some primary hardware failure, users accidentally deleting something, possibly some ransomware (if used with care), etc. Maybe they have 2 drives, and stick one in a firesafe in a sealed bag, now maybe they've got a bit of protection from certain fires too if they're caught fast enough. Maybe they add on a bit of light net backup, just of key low size accounting documents and the like, what their 5/1 ADSL link can reasonably handle, ok that's better still. Etc. If they've got the discipline (and money) to have a bunch of drives or get a tape system and then regularly rotate a week or month's worth into a safe deposit box at their bank or something? Great. But there is no set number of 9s that needs to be hit before it's a real backup. 90% is real, and really better then 0%, even if it's worse then 99% or 99.9[99]%. Get in the habit, get in the habit of yearly reviews too at least, then keep improving as importance, opportunity and budget allows.