As if you desperately need 99.9999% in your private life. Let's be realistic here.
If you need it for business, pay for it and go to AWS, Backblaze, GCP, Dropbox, etc.
This is kind of a weird statement to make.. if I have photos, important documents, etc.. why would I not pay 5 extra dollars a month to host them on a service that offers more durability than I can guarantee doing it myself? It’s not like it’s so prohibitively expensive that only a business could do it.
DO has a backup option that works, is cost effective.