Bloop:
I think your first point is one of the toughest ones to overcome. Backing up your files is like gardening: it takes a bit of effort at first, but then you can install automatic sprinklers and stuff to make your job easier. Even so, you still need to check from time to time to make sure your plants aren't dead.
jwz (of Netscape fame) wrote what is quite possibly the
most useful backup strategy for people who don't want to spend a lot of time thinking about backups. Personally, I don't worry about the offsite backup, mostly because I don't like to think about things that destroy my house. Denial for the win.
(I know others who use the "lots of smallish hard drives" approach, and it's maddening. One possible solution is a
SLUG or
Drobo or similar, and another is to just buy a 1TB drive and not have to worry about it for a while.)
(I don't use the jwz approach; I'll describe my backup strategy later).