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Seems like a lot of claims and just paranoia.

If you are worried about your data and it's valuable, use two providers and you are set.

There used to be verbiage about the 5 user minimum and that's gone from all their pricing information so that post just seems like gibberish to me.

In the end, it depends on how much you want to protect your data.

There is still the 5 person minimum in the foot notes.

But yes paranoia.

Absolutely, and don't rely on a fraudulent account bought from eBay

Rclone is great for making sure you have that second copy of your file data. There are are plenty of tools to mirror your mail, contacts and calendars too.