If you long press on a speed dial you can drag it to the trash can. That way you can <font color=gray>recover</font> any speed dial you want.
Seem the same ting as on iPhone, thanks for point out.
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USB, you should already know. The failure he mentions is very real, these USB thumb-drives can and do fail and when they do, the failure is usually catastrophic loss of data stored on the device. Almost no way to <font color=gray>recover</font> them if you use these , use more than one-- they're cheap enough-- so you have at least one that is good.
About the rest: LAN is Local Area Network. Basically, any computer in your home network, any printers attached and so on.
NAS= Network-Attached-Storage. That external hard-drive comes to mind.
RAID= Redundant Array of Independent Disks. OK, use more external hard-drives for your backup. One of them should work.
I'm a big fan of not making the thing more complicated than it has to be. I make copies of my files on the USB drive, so in the event that I need to access them it's not that hard. I can retrieve these files on any USB-equipped computer.
I totally agree ! There is no need to make things complicated. Indeed, a portable hard drive is enough for most users in most cases. Another convenient way is to use cloud service, like Google Drive, Dropbox, OneDrive, etc...