I really would like to learn how to have another back up system.
Go and start now..
This does not have to be the whole hog in one day..
Buy a 1TB WD passport or Toshiba Carvio or whatever neat little 2.5" drive you can find in your local computer store. <$100
And take it home.. plug it into the laptop.. open disk utility.. partition and format it as a mac drive.. (if it is not already).
Just google for how to do it.. easy peasy.
Then use Time Machine to do backup..
Voila.. you now have a local backup.
One day you decide you want a bit more protection buy a 2TB drive.. about $120-140.. can be small or larger 3.5" unit.. USB 3.
Plug it in and partition to two parts.. buy CCC and make a clone to the first partition.. then do TM backup to the second.
Voila, you now have a boot clone where even a dead internal drive on the laptop will not be a problem.. you can boot it from the USB disk.
The thing is.. START.. DO IT NOW.
Happy to provide instructions on any aspect that eludes you.. but start.