i use icloud for my photos and iphone. and also backup via time machine to a drive attached to our airport extreme. all of this happens without any work on my part.
but once a month i do a carbon copy to another usb drive that goes in a fire proof safe
Check out the reviews on the G-technology USB 3.0 4tb desktop hard drive, decent price and good reliability. Desktop drives usually fare better than portables. Upper end wd's come in second for me.
Always a good idea to keep a hard drive stationary when in use(non SSD), heads, spinning plater, you get the picture.