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The online backups are nice, but I agree with another poster, your stuff is out there if one goes that route. I found a 1TB external drive for sale online this morning, for $29. That should be enough space for the average user and your stuff is with you. Sure, a house fire, or other disaster is possible, but online companies get hacked all the time. I'll keep my (deal) stuff with (news) me, and eliminate (.com) the possibility of losing anything from a online breach.