TADataHoarder

It's something that everyone should follow.
It is also something that everyone can absolutely afford to follow, for at least some of their data.

Take this for example.
A 5 pack of 128GB USB drives is dirt cheap.
Encrypt them all, keep two plugged into a USB hub. One in a drawer, one you keep in your car (who cares if it dies) and store another in a safe deposit box/friend's/family member's house.
If your house burns down you get to keep that 128GB of data, if you want more, pay more, but this is available for under $45 so yes everyone should do it for at least some of their data. There's no excuse.

Be extremely careful if you're going to use any service.
You need to make sure you do not hand your film over to a company that will destroy/recycle your film after their digitization. Once the film is gone, it's gone. Many companies destroy the film after scanning it and this is 100% avoidable. There are no methods of scanning that require destruction of the original film so you should never allow them to destroy or recycle your film. Besides that, many services just suck. Reviews are often useless because they're either fake or come from people who don't know the potential of their originals and are just happy to see something digital from them after their collections were collecting dust for decades.

Here's a video showing a comparison of a scanning service vs frame-by-frame RAW capture with a macro lens and DSLR.
https://www.youtube.com/watch?v=3kC2hc_GzIA

When it comes to film scanning, there's always room for improvement. Even if you get an okay digitization today I would still recommend preserving the originals because better digitization services can always come to the market and potentially at a better price. The ceiling for film scanning is quite high, but the floor is full of low tier trash services. If you look closely in the video you'll see that the video he received was actually interlaced which is absolutely pathetic.

What do you recommend I do with my new photos and what's left?

Keep local backups.
Buy three hard drives.
One to serve as your main copy, and two more externals. Copy your data to the main drive then repeat that process to ensure each of your three drives has everything stored on it. Go to your safe deposit box and store one of the external hard drives there. While back at home, keep storing your photos on the main drive. Every week or so plug the external in and sync it so it is up to date. You can use something like FreeFileSync for this. In 3 to 6 months, go swap the external with the one in the safe deposit box and sync the drive when you get home. In another 3 to 6 months, go swap externals again. If you have an event where you have lots of precious media you created, consider taking a trip to the safe deposit box sooner. If you go a while without taking any good photos, you can put it off.

Your 3 children can be the biggest threat to your data depending on their age.
Hard drives are fragile and dropping them is bad. Don't give them the opportunity to knock them all over at once, and if age appropriate tell them how important it is to not drop/move/knock them over. If you have a safe at home store your external in there when not in use. If one gets damaged, you'll have two extra copies while you order a replacement.
If you don't have a lot of data (1,000 GB or more) consider using external SSDs since they are drop proof and cheap at those low capacities.