I'm on the fence about keeping negatives. I understand why one would want to, but I've never gone back and printed from a negative after a few weeks have passed. If I have a picture I want enlarged, I typically do that pretty soon after development. I might have a different take if I had a proper darkroom and could print directly from negatives, but since I don't, I either upload my scanned files for printing by commercial operations or send negatives out soon after they're developed. Once they go into the sleeve, they're pretty much ignored. I develop my own B&W film here at home and use my digital camera and macro lens to scan the negatives. Once I have a good scan, that is what I use for printing.
As for the risk of data loss... I follow the 3-copy model myself (one copy on the main drive, a 2nd copy on a separate drive in the same computer, and a 3rd copy on a removeable drive connected to my server in the basement). I also periodically make a 4th backup on a removeable drive that is stored at either my mom's house or my in-laws' house. Both are in other cities and not local. In nearly 30 years of doing this, I haven't lost a single file (photo or otherwise) through multiple system replacements, crashes, data migrations, etc. When I build a new system, I recover my archived data from one of these sources as well, so my backups are routinely tested. My backups are automated and run every night, though the 4th copy is a manual job since it doesn't happen very often. Yes, that means a gap between what is backed up at home vs what is delivered to the remote location, but the bulk of my precious files are there.
Chris