As I mentioned before, keeping the default directories is a relief. Whether and how you use them is another matter.
You have to work out for yourself what is ok for you, my way is different than e.g. for user XY or user ZY.
I didn't just post the links to my blog because it looked nice. You can see from it, also as a teaching example, what a possible (one of many) solution to the backup problem might look like.
You have to find the right solution for yourself, there are enough examples.
The important thing is that YOU know why YOU do what you do.
On my system, I know that ... most of the time, and for problem cases I have a functioning backup system (except for large-scale bombardments in the event of war, I am protected against pretty much everything with my backups), which is the absolutely necessary backbone of any IT system.
In the last millennium (when I was still young and dynamic :-D) I had an IT company trading in hardware and software, installations, training and support. It was my daily business to provide adequate backup solutions and to convince customers to invest money in them.
This is often saved today ... with the consequence (in Germany) that e.g. authorities are blocked for WEEKS after hacks or simply due to physical failures. But we have well-paid equal opportunity commissioners and quota women who don't have a clue except for drinking coffee. No one is surprised that there is no more money for essential aspects of IT.
Padon me, I'm digressing.
Learn the basics, read the documentation, the ones on snapshot and live usb, for example, are very good and would be able to answer many of your questions in advance.
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