Yes, having a safe copy in a different location is a good idea. Ask anyone who has been burgled or had a fire destroy their stuff.

My only out of home backup is at the printing service I use and that is certainly not everything. 

At home, I have 3 external hds, two Maxtor and one Seagate. The Seagate is fine for the money.

I only use these for backup and retrieval to maintain space on the primary pc. The hds are not connected to the pc unless I am using at the time.  Images are backed up on two hds and the system is backed on the thrid one, dedicated to that task if if should be needed.

Still...when is enough enough? We won't likey know till we loose it. After the fact.  Good info on this thread.       Tom.