infamous question of backup vs redundancy.
http://www.cnet.com/how-to/digital-storage-basics-part-3-backup-vs-redundancy/
MBL is my backup device.
Main file on laptop/PC/phone/tablet
Second copy on MBL
Third copy only for very important files on Dropbox
but you can make it anything you want, it all depends on your requirements and how complex/secure you want it.