uh "Thankfully, I do have cloud backups, but my wife and I did both lose our entire day's work as the most recent backup was from the morning."
I dare say basically nobody has that good of a backup system in place. To fry 22 TB and only lose 1/2 days work?
I do.
My main system does an Incremental backup of each physical drive, between 0100 and 0500.
Every night.
6 individual SSDs, 1TB each.
I have had to recover twice.
Once was a dead drive. 960GB SSD, 605GB data on it.
Died suddenly.
Slot in a new drive, recover from the 0300 backup.
All 605GB recovered.
Other one was the OS drive.
Due to installing absolute crap software...the easiest, fastest way to "fix it" was recovering last nights incremental.
This was just a few months ago.
I could recover any or all of the 6x SSDs in my main system, to any point in the last 30 days.
Having "22TB" data does not mean copying that whole 22TB every night.
This is the concept of Incremental or Differential backups.