This is the one I use, too. Jack Miller on what constitutes a good Mac backup plan:
Either, 1) Panic mode; oh my God! All my files, photos, movie clips, music are gone and not retrievable. Or, 2) Inconvenience but not to worry, I’m safe. Which of the two scenarios describes your backup situation? If you panic, then your backup system needs some work. If a lost Mac, iPhone, or iPad is a mere inconvenience, you’re on the right backup track.