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Of course man, i didn't want to go extremely deep with all the possible pro and cons of every situation making a post like a computer lesson, but, if you have a NAS (personally i would go only for Synology ones) the cost are quite high (the NAS itself + all the disks required for the RAID 5 or RAID 6 which are the only ones who give you the possibility to lose one or two disks without losing any data).Happy new year all!
Do consider this: even with the most expensive NAS , if your house burns down, you will probably loose your data!
(unless you foresee a 2nd NAS in an alternate location and setup mirroring - but then it becomes twice as expensive and cumbersome)
The only 100% safe solution would be have triple copy of everything like a NAS + Cloud + external HDDs which should be stored in a complete different location than the one where you have the NAS and (of course) different than the one where you have the cloud one too.