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I back up everything. I use Stablebit Drivepool with duplication for all of my source code, media, photos, documents, music, books, laptop backups, etc. I back that up periodically to a Drobo DAS and 8 Bay USB enclosure setup under Drivepool. I also have off site backup (working on a new NAS which will be accessed over a VPN). I don’t want to spend the time worrying about loosing anything I have put time and effort into. Been there and done that. Drives are relatively inexpensive but can fail without warning.
I have two IoTaWatts (https://iotawatt.com/) for all the circuits in my home. I also use Z-Wave and Zigbee devices to monitor individual plugs (I love these). I send data from all of this to an InfluxDB database and then into Grafana for displaying pretty graphs. Everything is running on my Windows desktop. The IoTaWatt doesn’t require internet access to work. I have been very happy with the setup and once setup it hasn’t required much maintenance.
The system is also good for recording temperatures, solar power information, and anything else that can make an API call. Not sure why your Z-Wave is falling off the network, for that I use a Hubitat and mostly Inovelli, Zooz, and THIRDREALITY ZigBee plugs.