Should we really suggest to people backing up using anything but remote backups?
Also, most remote backup services allow you to restore files and folders selectively, so you just need to download a small amount if you're in a real hurry.
Onsite backup only covers you against the first two.
I have found that people tend to overvalue the value of their data to others and undervalue the value of their data to themselves. Having lost all my data in the third category, I can say I'm never going to bother with an onsite backup again; it's simply a false sense of security.