For my home clients, with 1 or 2 Macs and basic needs, I keep it simple. Time Machine default config to backup to an external "passport" 1-2TB USB 3 drive. Leave it plugged in all the time. Usually I don't have them turn on encryption unless they give me the password - because this drive is the fallback when they forget the password on their FileVault protected Mac!
Next step up from that is to have a cloudy service for photos & documents.
Next level is to have a 2nd passport drive to be used by Time Machine and rotate this on a regular basis (weekly or monthly) with the 1st passport drive. I usually recommend that the one currently not in use be stored off-site (usually at their office, or next door neighbour). Anything going off-site should have encryption turned on.
Beyond that moves into the more geeky options of NAS backups (previously including Time Capsule) via Time Machine and cloning via CCC and online backup via Arq.
Of course every one is slightly different depending on the client's situation and I'm always careful to explain the pros and cons and limitations AND the difference between a backup and an archive. (I've had several cases of clients thinking that because files have been backed up they can then delete those files safely from their Mac!)
This post was modified 3 months ago by Graham McKay