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I use Amazon Music to buy music and have uploaded all the CDs I ripped over the years to it as well. I also use One Drive for photos and documents.

But I also keep a backup of everything on a separate hard drive which I keep with me at all times in my backpack. This includes new music I buy from Amazon - I have my app on all my machines and devices set to automatically download new music and then this gets transferred to the hard drive at some point too.

Lesson learnt a year or so back when I lost some old photos which I thought had been uploaded to One Drive. Turned out that folder hadn't sync'ed and I deleted the originals on the machine thinking they were in the cloud.