-- Backup your wallet one time. Ever. Period. Forget about change addresses, it's all backed up with your paper backup. Print it or copy it by hand. A digital backup kinda works, but it is encrypted which doesn't help you if you forget your passphrase. You laugh, but this is by far the most common reason people lose coins -- not theft or hard drive loss. Plus digital backups get corrupted. There's no guarantee it will work when you need it 10 years from now.
Couldn't you just write your passphrase down and have an encrypted digital backup somewhere in your email or dropbox? That would solve the situation where your house burns down, just before you found out your parents lost the other paper backup you gave them.