Very Cautious
I hear what you are saying. I have data that is irreplaceable. And I mean that in a literal sense. My whole life is digital. Financial records, pictures, movies etc. I PDF ALL receipts etc and keep them in digital format. (Obviously I keep some originals if need be but these are in my safe. 3500 lbs bolted to a concrete floor, It's secure.)
My time machine drive is a 1 TB drive that currently has 70 GB free and the oldest backup is from August 16, 2011. I am very cognizant of the state of this drive. Once it reaches 2 years old I will relegate it to the safe, mark it with backup dates and I will replace it with a new drive.
I also use real time back up of all my data via Dropbox so I have it all at my fingertips whether I am on the IPhone or my IPad.
In addition I use Super Duper once per week as a failsafe and a Super Duper sandbox anytime the operating system has updates. I don't like to take any chances. I think my backup routines are pretty solid. I spend a little money on the process but it's well worth the price. Hard drives are inexpensive compared to the alternatives. (Losing data is not an option!)
But I just don't worry too much about thumb drives and the like. Some people may call it overkill but I don't care. It's the safest way I have found to have data security.