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That's a heart breaking way to learn your lesson about backups. It must have taken a long time to accept.
Everyone I know that actually keeps backups has the same kind of story. It's sad that no matter how many other people talk about keeping backups, it always takes a tragic loss like this to get people to buy hardware/subscriptions.
I hear you. I worked for an msp where some customers would refuse to invest in backup solutions and we either declined to renew their contract or they suffered an event and we were then setting up backups.
I was in the middle of a migration from OVH to Hetzner. I knew I had good backups at home so the plan was to blow away OVH and restore from backup to Hetzner. This was the mistake.
Mid migration I get an alert from the raid system that a drive has failed and had been marked as offline. I had a spare disk ready, as I planned for this type of event. So I swapped the disk. Mistake number 2.
I pulled the wrong disk. The Adaptec card shit a brick, kicked the whole array out. Couldn't bring it back together. I was too poor to afford recovery. This was my lesson.
Now I only use ZFS or MDRAID, and have multiple copies of data at all times.
Damn, those stories scare me a lot because I can't afford good enough backups right now, so I rely on mirroring via Syncthing what I can and using an USB for my server (fortunately I don't have a lot of personal things). All the family memories are in multiple locations and devices so I don't have the time (nor storage) to backup those lol
Because of my situation, it takes me some time to save even for second hand things (I just bought a CPU and a new voltage regulator). I'm planning on buying some used HDDs as secondary storage and one as an external. Slowly but surely D:
A second device on site is still infinitely more resilient than just letting it rock. Most use cases where a backup would help can be covered by an occasional one way sync or scheduled copy to a USB drive. Offsite is for catastrophes like your home burning down or flooding.