Backing up your photographs is absolutely essential. It's so cheap to backup vast amounts of data that there is really no excuse. If you lose all your data, it's on you.
The key is to have at least one local backup and one remote backup and then to actually use the system. It's not as complicated as you might think. The hard part is getting it all setup in the first place.
Carbon Coby Cloner is simple it just makes a clone of whatever hard drive or drives you use. It's worth every penny and is a better solution for photographers than say Time Machine on the Mac.
Backblaze does a similar thing but it uploads all the files to the internet. Backblaze has unlimited backup for $5 USD/month. It has to be one of the greatest deals on the internet. It is truly unlimited. Just set it and forget it.
Feel free to get in touch if you have more questions.