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It's not! You need a backup that covers the state for your catalog file BEFORE the error occurred. As one that has gone back as far as six months to recover a "stupid user mistake" (mine!) that accidentally wiped out keywords on over 2000 images, three is never enough.Also, I'm not convinced that 3 is enough.
The drive containing your master catalog file will fail.
What I have done is set aside an old HDD. It is so old (5+ years), that I dare not put critical user data on it. However it is good enough to write backup files to. When I gets full, I will do the housekeeping to make room for more backups.
While this is probably the best most secure backup location. Restoring from a drive failure and retrieving a whole drive worth of data can be expensive and a challenge. That is why I recommend having at least one copy of your system backup locally for easy recovery. If you have a catastrophic event (fire, flood war) you can then resort the cloud for recovery.I send the Backups to the Cloud.
I should have stated that I keep a backup of the Catalog Files (including the Zip backups in the Cloud). The image files are a combination of physical and cloud backups. I don't have Terabytes of files, so I see how someone with a large collection, a full cloud backup would be challenging.While this is probably the best most secure backup location. Restoring from a drive failure and retrieving a whole drive worth of data can be expensive and a challenge. That is why I recommend having at least one copy of your system backup locally for easy recovery. If you have a catastrophic event (fire, flood war) you can then resort the cloud for recovery.