1. Clone your system monthly. That way you have an up-to-date image of Windows and your installed software to restore. That way you won't have to download all the updates when you need to reinstall Windows on your PC. Best practice dictates keeping at least the last two images, but I like to keep the default image + the two most recent.
2. Best practice states having at least two full redundancies is best (Your PC + 2 backups on 2 separate devices). For remote backups in your case your best option is to take one of your hard drive to a friend's house or keep it at work, at the end of every week or month, you swap them. That way if something happens to the backup in-house you have a backup (albeit slightly dated, due to the week/month swapping interval) off-site to restore the data from.
I only backup important things (its only about 10GB of critical files). Several friends and I have agreed to run our own FTP servers from around the country. I keep the files encrypted in multiple Truecrypt volumes on their servers. Its free and it works.
Why on earth would you use FTP? Yeah, you're encrypting your files, but FTP is not a secure protocol and is very inviting to botnets and rogue storage. FTPS, or, better yet, SFTP should be used whenever it is available on the Internet. http://blog.jdpfu.com/2011/07/10/why-you-need-to-stop-using-ftp.