For now my server doesn’t have very important data most of it are your “Linux isos” I can just download again and I’m thinking of starting to move my file and photos to the server but in afraid. What if I get a ransomwarei don’t realize and all my backups get encrypted too? Or if the backups are corrupted and my disks breaks? But also I’m afraid about cloud because I’ve seen some posts about people getting their google accounts closed without notice for breaking TOS (maybe they did something wrong maybe not).
This. With a proper backup strategy, you are reducing the probability of a catastrophic sequence of events. It becomes P(some unlikely event) x P(some other unlikely event) x … Etc. for as many events you can think of and/or can afford to mitigate.
As you say, the risk will never be zero. And even the best-laid plans can fail - the Gitlab incident a few years back saw five layers of backups and disaster preparedness fail.
Really, all you can do is backup your data using standard methods, and TEST THE RESTORE before you need to rely on it!