@mevinyavin One thing I didn’t notice you mention - having multiple physical backups is good but they should not be in the same house, in case there’s a fire, flood, etc.
I’d also argue that the best storage solution for >95% of people is the one that doesn’t require discipline or remembering to backup. For that reason, a set and forget online solution is by far a much better solution than what you are offering.
In regards to downloading large files, I usually keep oft-used folders on my computer and don’t have to sync often, but it’s usually quick when I do. Every once in a while storage starts to build up, I clear everything locally to save space and start over.