I'm no salesman, so ymmv, but I use Nextcloud, and a network hard drive for all my media. My backups are literally taken from only those 2 points. Everything is in its place, or easy enough to get there when it isn't.
Edit added: Everything is where I expect it to be from the start. And I even have a Misc directory tree for new things I haven't classified yet. As for apps, I keep a file listing what I install, but don't bother backing them up. Fresh software smells better. If my desktop fries, meh, get a new one and install everything on that list and then get back to the cloud. All my systems share the same data, so no duplicates outside of the backup.
This doesn't help your current issue, but it'll make sure it never happens again.