Well, I'm not sure I qualify as a member of your target group here, but I'll lay it out anyway:
At home:
Crashplan backs up all my irreplaceable stuff (mostly media, some document, and email) to Crashplan Central and to a drive attached to my work computer.
Time Machine backs up whatever to a dedicated Time Machine drive.
All my media are on a RAID 5 array, which isn't backup as you say, but has some redundancy.
I SuperDuper my boot drive to an external drive every night.
I have some random old ChronoSync routines that make additional copies of my photos and music.
At work I just SuperDuper and Crashplan.
My laptop I TimeMachine when it's on my home network and plugged in, and Crashplan to Crashplan Central. I don't keep anything unique or critical on my laptop, though. Mail is IMAP, calendars and contacts are synced with MobileMe, and I use Dropbox for various files I want to access everywhere.
Most important to me in all this is that it's all virtually 100% unattended. I try to take a look every now and then to make sure everything's still running, but otherwise I don't notice it. The downside of course is that I also might not notice if something isn't working until I really need it, but I think I have enough copies of the important stuff to cover me.
So yeah, I'm not sane in this regard. It's probably just like yours.