Jestertheclown, indeed you and others have other procedures on how to keep your valuable personal data safe. If it works for you, GREAT!
Each to their own, I guess although I can't see why you'd be so confused by keeping documents etc. on a second drive. It's certainly not cumbersome or remotely difficult.
You don't explain how you "lost almost everything" but I can't see why, outside of user error, that that would be related to using a second drive for storage.
As for "having different versions floating around," again, that sounds like an problem with your organisation. I certainly don't have that issue.
"It's good to be . . . . . . . . . Me!"
This was 15+ years ago...I don't recall exactly why but not keeping documents on the C: drive was not standard for most apps and utilities. Probably my lack of knowledge and understanding of how things worked.
Well, I was backing up files on NAS drives which developed a hardware problem I was not aware of... then I reacted and attempted to recover as a result of getting a virus. That's when "user error" accidentally deleted files. A combination of multiple issues at the same time. Luckily I had a separate external backup drive with 99.8% of my files.
I used to have the multiple versions of files when I was dealing with main and backup folders connected. Yes.. this was definitely my issue...user error. I solved that issue now that I only have 1 copy online at any time and just let TimeMachine, iCloud and FileSync app take care of the backups.
User Error is probably a bigger cause of lost files than virus or hw failures combined.