You either have a backup or you need a backup
As the famous saying goes:
There are two types of people. Those that have a backup and those that need one
Phone
Photos
I use google photos to backup my photos. It syncs and works pretty well. In the future I will host it on my own, but for now it works perfectly and it is around 3EUR per month.
Apps
Samsung has an option to generate a backup file, which includes apps, settings, and stuff like that. I occassionally run it and upload it to google drive, just so it is easier for me if something goes wrong.
Physical stuff
Keys
I haven’t done it, but I feel like it would be great to just create a clone of my set of keys and RFID chips.
Wallet
Just a .txt document that includes all of the documents that are in my wallet.
Documents
Scanning all physical documents is a must. Those I store on my PC at home and at my PC at work. There is this thing called the 3, 2, 1 rule, but I am yet to achieve it.
Code
All of this is true for code as well.