The vast majority of people have a single ssd for the OS and main applications and a hdd for storage. Simple fact is that 95% of stuff on your ssd like games, application, OS, are all things that don't need to be backed up, just reinstalled and with connections as fast as they are getting putting on 100gb's of games doesn't take very long anymore.
Then when you really crack down to important files, photo's and work... as ever you should back these up. Anything I want to work with, programming files or whatever are on my ssd though its really not particularly required for them to be, but I back up my work to an HDD and some of the more important stuff I put on a NAS also.
If the ssd dies, its on the hdd, if the hdd dies, its on the ssd, if the whole computer dies, its on the NAS. If an EMP bomb goes off somewhere in orbit as some manical evil dude decided Goldeneye was his favourite film, I'm screwed, but you'll also find all the data recovery people don't have a way to get your data back either
Pre ssd era, I'd still have my work backed up on another drive, and pre NAS I'd also have it backed up on some kind of circular optical storage write once media.
If your data back up plan consists of potentially spending thousands of pounds to get the single copy of crucial data off a now not working ssd or HDD, you've done it wrong.
SSD, HDD, external hdd of some kind, simple external drive/nas/internet storage, something, then a dvd/blu ray burner for some random stuff. Once every now and then I still burn important photo's to a dvd or now bluray and stick several blurays in a small fireproof safe. Some people, my rents included, also put their photo's on an external drive that is kept at my brothers place in a different city.
Ultimate rule is, if the data is important it shouldn't be on one drive, ever.