I simply created 10 wallets and export private keys from each and print them on paper and put in safe place

In case wallet.dat file will be deleted or lost I can retrieve it from private key

Of course I store 10 wallets on separate HDD / USB sticks and switch off internet access when copied one of them to main system

So in worst case even if my main system will be hacked I only lost ONE of my wallet which is 10% of my money on it

If you are paranoid you can even deleted 10 wallets and retrieve each wallet when you need it and use Linux to reduce possibility of simple hack

Regards