Sparky gave the best answer...3 drives, 3 locations. If you live in southern California, one location should be in Nevada somewhere. Using the cloud is a good choice, but you'll have to pay monthly fees forever and risk your images being stolen more easily.
As for SD cards, HOW would you physically label them to show date, venue, people, etc? And being able to find something quickly?
I'm probably an oddball, as I use a separate folder for every event, date, vacation, family date, etc. That makes it easy to find 'such and such' from November 2015, for example. But finding 'Uncle Joe' across 10-15 years worth of images...quite time consuming. Adobe Lightroom provides a fantastic catalog system, but I choose not to use it.