Recommend you follow the 321 backup strategy. Adopted to modern times I would say it is broadly:
- Have your data in more than 1 place
- Use more than one provider
- One of your types of backups should be physical media like an external hard drive.
From what you described if apple was to wipe your data[1] you would be completely out of luck.. for example if something deletes data in your Mac and then that deletion gets synced... For the most part syncing data is not a backup.
Lastly, recommend you try to put all your critical data in one folder, or identify folders with critical data and prioritize backup of those first while you figure out the rest.
[1] Not only can a deletion "sync" from your mac, but there can be any number of issues.. like a bad update to a file. There is also the possibility, no matter how small, that apple could wipe your data. Over time you always see news of "company X deleted entire set of data for user/company Y".