Your situation sounds like a two server solution for local. So one server for hypervisor/vms and then snapshots and backups go to a separate box like a NAS. As for "house burning down", a solution for that is off-site backups. I'm guessing building a small TrueNAS server and installing it at a friend's house or your parents or whatever and then find a backup solution to sync(syncthing may be an answer here for you?).
I don't care about my homelab much, but I do care about my family photos. For that I follow my own 3-2-1 where:
3 copies of my data
2 copies are local
1 copy is off-site
I have a NAS at my house and another NAS at my parents house. They are both linked with syncthing and I do a one-way backup to the other NAS. Now, my parents are a 10 minutes away by car, so I consider that NAS "local".
And then I backup my NAS to backblaze for my off-site backup.