When using cloud backup, what files does it make sense not to back up?

I have signed up with Zipcloud for cloud back up of files (after both time capsule and seagate external drives failed on me).
It's been a few days and I am very frustrated by what was not explained before I signed up, such as upload times, etc.
I ask my question about what files it might make sense not to back up to the cloud, because at the rate of backing up 4-8 GB a day (which is what Ziplcoud says to expect)  it will take 3  months to back up all my data! Seems crazy.
Also, although I have been told by Zipcloud that there software will not interfere with my computer's performance, my experience is to the contrary. Coincidence?  Wondering about the experience of others in terms of impact on computer's performance?
I welcome general opiions and experiences with cloud backup as well as the answers to my specific questions.   I also am open to suggestions of reliable affordable back-up companies with support. 
Zipcloud's email based support could not be much more frustrating!  I send a question that doesn't really get addressed with my original question dropped from the reply so that I need to repeat my question—each answer coming from a different customer service person, no continuity within the same issue, no real resolution. 
Is cloud back up really worth it??  And back to my original question, for which files and for which files not to bother.
Thanks,
Ani
PS.  Final question:  have people found data recovery problematic from cloud backup?
I have a MAcbook Pro  OSX 10.8.5 

Methodologies to protect your valuable data. Backups vs. Archives. Long-term data protection approaches
Cloud based storage should not be considered a data archive due to security concerns, and the transient ephemeral nature of cloud storage which can only be quasi-possessed.
There is no such thing as "cloud storage"........   Cloud storage just means 1000s of HD in a building
5.  *The above leads to another question, which is for how long to trust an external drive?
Given the second law of thermodynamics, any and all current mfg. HD will, under perfect storage conditions tend themselves to depolarization and a point will be reached, even if the HD mechanism is perfect, that the ferromagnetic read/write surface of the platter inside the HD will entropy to the point of no return for data extraction.
HD life varies, but barring mechanical failure, 3-8 years typically.
Some advantages of a cloned hard drive:
If you do an option key startup at boot you can directly boot to your cloned drive externally and operate from same like normal.
Sandboxing: With the help of the Cloned Drive, you can perform sandboxing, or the testing of new software, their updates and applications before they are installed on your Mac system. Moreover, if there are issues with the system, you can troubleshoot them by booting off the Clone. Many people test new APPS or experiment with a secondary clone and never worry about a failure or serious issue since the internal HD is untouched and the secondary clone can be wiped afterwards if any major issue occurs in testing. This is an invaluable tool in many instances.
If you sell you computer for purchase of a new one, you can take the clone you have on hand and install same or clone it to the new internal drive of your new Mac.
As it turns out one of the huge positive benefits of a clone is that people were seeing faster HD speeds; with APPS booting up from the clone than they had seen with the internal HD. The cloning applications in cloning the drive defragments the data to the clone and remove the “holes” in the cloning process.
With a small portable HD clone you can take your ‘computer’ anywhere to most any other current Mac and boot from your HD clone and have your entire system and its data immediately there for use. In case one is across the world and their macbook gets stolen, or damaged, with another Mac you can be up and 100% in the time it takes to boot to the new or borrowed Mac!
You can clone from your external clone to the internal HD/SSD in case of corruption.
The best thing that can be said, ideally, when your HD crashes with all its data is “so what, I’ve got a clone right here” and you can return to normal operation within seconds (by booting from the clone) or minutes (by swapping drives).
In separating out your system hub (OS) and your data hub, and storing them separately, is if you make only periodic clones (every month or so), and have a HD crash, the worst case outcome is that what is lost on your clone are some bookmarks and preferences since your data hub containing your vital files is constantly archived separately as it should be.

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