2 local copies - one online, one offline - and 1 cloud copy (i need to find a new one with crashplan going away)
Agreed. With the cheap storage available today you may as well keep three copies locally. One in use, one hot backup (f.x. a NAS) and one as a cold backup. So even if the hot copy gets hosed, you still have a fresh copy within reach.
Data loss in general but ransomware in particular. This is my personal data. It's not like I'm running a business or anything but there are definitely files I don't want to lose.
In that case I'd advise to keep an additional (encrypted) copy at another location. If you have family or friends in another city, that's a good place. This will protect against fire, flood or whatever else life can come up with. The encryption is purely a matter of how far you trust them to not poke around your private stuff. You can use an external HDD for that purpose. Or if it's not a lot of data, burn it to a DVD/bluray and simply mail it to them. In the latter case, make sure it is heavily encrypted.
Software wise is a matter of personal preference. I just make a copy of whatever folder I want using a robocopy script. Its simple and easy to automate. Helps with file availability too, since its just a straight file copy without a specific format.
I don't see much reason for something more exotic. Bitrot should not be a problem if you keep multiple copies.
Also, always test your backup strategy. Its not fun to find out the hard way it doesn't work like you expect. Or, worse, the data is unrecoverable.