I think that several [external] HDDs are the easiest method. I live in two countries, use two physically separated computers, each of which has a single external HDD. And I have a couple of the small USB powered drives, which I use when 'commuting'.
So all my pix are on two computers' main drives, and their external drives, as well as the USB ones. As long as I back up regularly, I feel the chance of loss is small.
But, all HDDs will eventually fail, and a suggested usable lifetime is about 3 years. And anyway, in three years the files from newer cameras will be much bigger, so storage requirements will be that much greater. The price of HDDs seems to be falling as much as their capacity is increasing, so that every 3 years or so, what you get is greater storage for less money. Bit of a chore having to back up, but safe.