Multi-level backups are a great defense against user mistakes, software failures, hardware failures, physical damage, and local catastrophes. They are not as effective against ransomware, which goes out of its way to hide its presence until your backups have been encrypted. Since they're always "connected", I assume that ransomware knows how to encrypt files stored on DropBox, GoogleDrive, and Microsoft's OneDrive.
My solution is to make frequent backups of critical files to a thumb drive, which I keep disconnected and in desk drawer between backups. Each time I release a new version of a DXLab application, for example, I backup all of its source code and associated files to a thumb drive that lives in a nearby drawer.
The frequency with which you make air-gapped thumb drive backups depends on how much data you're willing to lose to ransomware. Since recent log data can be partially recovered from an online QSLing service, a monthly thumb drive copy seems reasonable.
Make sure your email application is configured to display actual email addresses and the actual URLs embedded in messages. Before reading email, consciously remind yourself of the phishing threat.
Additional guidance from those here with more computer security experience than me is of course welcome.
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