I would recommend none of the above, I was giving OP a better way of having their stuff online.

The article you referenced was getting locked out of accounts. We are speaking of having documents backed up, not google accounts.

The best way period would be to periodically backup to an external HD or even SD cards.

People need to get over this cloud bullshit years ago.

All of these problems have been solved since the advent of the internet, these are all self-imposed problems.