I tend to have multiple local backups as well as a cloud strategy. For local, one of my methods is to have a bare metal backup, which is a complete disk image. This provides the capability of a complete recovery to the state in time that the backup was made. Most of the data is in the cloud, which provides recent information. I only need to perform a bare metal every few months or when I install a major software package. One of the tools I like to use is Active@ Disk Image.
(This is not a paid endorsement, just sharing the love of a great product)