I keep all of my pictures backed up on a separate external drive attached to the USB on my router. It' s password, protected, etc. Also, I leave the drive off until I want to back up to add to security of someone getting to it.
It's a mirrored drive as in I have two drives in the box and what I copy to one drive is mirrored on the 2nd drive automatically. So, anyone here in the house (or remotely via internet if I open it up and we use additional password) can backup and save to it manually or automatically (provided they walk over and turn it on).
So when I leave for while I drop the backup in the safe. I also upgrade the dang thing every 3-5 years (for a couple of hundred bucks) not that the old one is bad...I permanently "save it" in the safe or in an otherwise protected place and add to it with the new one. So...it is likely I will never lose everything.
The online picture thing I used only for posting on boards like this.