I don't. I barely use iCloud myself and it's really not meant to be a backup solution at all.
The best all-purpose recommendation is the 3-2-1 approach... of which reliable TM (or CCC or SuperDuper) plays a central role. But short of that while Apple hopefully works out these bugs, the variation of it that could be used is either manually duplicating new file creations to multiple drives or- do as I (also) do and use a tool like
Chronsync to keep copies of up to the whole user folder backed up on other drives.
Core to the 3-2-1 concept is you have your core files on your Mac(s), a local backup of them in case the Mac conks/is stolen/lost/etc AND at least one more pretty fresh backup
OFFSITE (I use a bank safe deposit box). And then it's just a matter of regular rotation of the OFFSITE backup with the ONSITE backup so that the last resort option in a fire/flood/theft scenario can recover almost everything again. A tool like Chronosync can make such backups pretty easy.
As an extra layer of protection
between rotations of OFFSITE to ONSITE backup drives, storing latest new creations in iClouds iDrive (or similar from other cloud providers) would marginalize a worst case loss of fire/flood/theft on the very last day before backup drives are rotated... as you could almost fully recover all from the offsite AND just about all of the very recent stuff not on the OFFSITE from the cloud. I use both a desktop and laptop with the latter typically out with me, so I (also) keep them in sync (using Chronosync) for one more backup.
Of course, again, key to success is being able to keep any such drives connected long enough to complete the WRITES involved in any backup updates. So that involves needing to find something able to stay connected for these manual backups. I tend to use big bare HDDs in a
HDD dock... and
cheap plastic cases for HDDs when moving them between bank and home.
I also have a
Synology NAS setup as my "whole home" Time Machine backup. Since that works through ethernet vs. direct connections to Mac, it seems to have no problem at all with "unexpected ejections." That's an ALT option for your too if you want to throw some more sizable money at it. A great benefit in going NAS is that it can do all kinds of other things for you as well, including being your own cloud that you own and control (at $0/month rent). Mine is also a whole home DVR for the dazzling
Channels DVR service that works well with Mac, iDevices and AppleTVs.