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Probably an external drive. Here is Microsoft's official direction on getting this set up again: https://support.microsoft.com/en-us/windows/file-history-in-windows-5de0e203-ebae-05ab-db85-d5aa0a199255
No matter how great your drives are your storage is only as good as your backup method. While having drives in RAID is better than the alternative it only protects you from mechanical failure. If you accidentally remove the wrong file or get hit with ransomware you are completely out of luck.
All drive will fail in the future but the 1TB hdd will probably fail sooner than the others, it may not be next year but it will almost certainly be in the next few years.
As for how you would backup your data, assuming you are on Windows there is a new tool known as file history which is included with the OS. You would select your most important directories (you can always just do c:\users=big_avacado) and copy them to another drive. This will automatically rerun around every hour to pickup any changed files.
I would start with this.
For a much better backup method you would want to have some sort of offline storage as if you do get hit with something like ransomware it will easily take out any drives that are attached at the time.
As you mentioned not having speed issues I would be less concerned with running out to redo everything on them but keep in mind that you could avoid problems in the future (either performance or data integrity) by moving to newer drives now.
In your scenario I would probably setup file history to backup all of these directories to the external ssd and plug it in once per day / week depending on how frequently your data changes.
What sort of restore do you want? Assuming you are on windows and just want to recover individual files file history would handle this easily enough and it's already built in.
Backup to local external drive? Use File History. It's already built-in and costs nothing.
See documentation here: https://support.microsoft.com/en-us/windows/file-history-in-windows-5de0e203-ebae-05ab-db85-d5aa0a199255
BTW, even though they say
> File History only backs up copies of files that are in the Documents, Music, Pictures, Videos, and Desktop folders and the OneDrive files available offline on your PC. If you have files or folders elsewhere that you want backed up, you can add them to one of these folders.
You can in fact create your own "Library" and add any folders you want to it. For example, I've created "Library" called "Game Saves" and added various obscure locations certain games like to save files to that are not in Documents\My Saved Games. Then added that library to file history.
Edit: somewhat fresher link: https://support.microsoft.com/en-us/windows/backup-and-restore-in-windows-352091d2-bb9d-3ea3-ed18-52ef2b88cbef#WindowsVersion=Windows_10
You're getting in to her needing to be connected to a VPN all the time. Probably simpler to have her get into a routine of plugging an external drive in at night to let Windows to back things up.
Or go with a secondary backup software like Backblaze that just backs everything up to "the cloud", and add the extended history addon.