No you aren't paranoid. Sensible. However, you've only just started. Try and do a restore every now and then from the HDDs.
There is no such thing as paranoia when it comes to protecting your data.
Not only do I do that, but I also occasionally pull down some files from Crashplan just to make sure everything is backing up and working as expected.
Don't forget that families/friends can also effectively offsite each other's backups without invoking third parties. That does assume connectivity, storage etc. Also it does need managing 8)
No you aren't paranoid. Sensible. However, you've only just started. Try and do a restore every now and then from the HDDs.
There is no such thing as paranoia when it comes to protecting your data.