I conduct periodic fire tests where I literally just unplug the server and see what I can recover from my onsite and offsite backups.

Literally- I pull the plug. That's not a euphemism, that is literally what I do.

Even if you don't self-host, this sort of backup strategy is what makes sense. Like the photos on your phone? Turn off your phone, put it in a drawer, and get at the photos using a laptop or desktop. If you can't do it, you don't have a backup, and should correct that.