My problem is mainly in the "disk image" creation type software. I know it has it's benefits, but at the end of the day, your files don't actually exist in an accessible way, if things go wrong. Even with time machine from Mr. Steve it just works Jobs, we almost couldn't recover the files from whatever weird system it uses on my wife's macbook. I read reviews for this type of software and most people have no issues, but there's always a few people that say "I lost all my data, stay away"... It just scares me.

Even with cloud solutions, you still need software to control and monitor the backups, right? I miss rsync terribly.