Nope...I backup to the computer every few months if I remember to. Basically, I run apps that sync to Dropbox rather than iCloud, and they do so all the time rather than once a day. I also use Dropbox for photo storage.
If an app backs up to Dropbox or to its own app servers, or if I don't care about backing up something simple, like settings that I can just redo, I turn it off in iCloud. No problem staying under the limit with three devices this way.
And frankly, restoring data from Dropbox takes me half the time an iCloud restore does. iCloud restores are an absolute last resort as far as I'm concerned.