Not sure about Ireland but if your drive only has 8TB used you could get a 10TB short term, might save a third of the cost.

You do need backups long term. Research 3-2-1 backups.

What do you all think about MEGA.IO? Supposedly that’s client side encrypted at least against common hackers. I also don’t want my financial data hacked by next year’s script hax0rs, but if I make a 2MB change to a file within a 100GB Veracrypt file I’d like to not upload the entire 100GB every time. Is Mega trustworthy?