Seedvault + individual app backups is your best bet for now.
GOS is working on a better solution, but haven't announced any progress yet.
Personally, in addition to Seedvault, where possible, I also make every app backup to a folder called Backup/<appname>/, automatically if possible and manually when I make changes and remember to backup otherwise.
Then, I use FolderSync (Synthing is a popular alternative if you can selfhost it) to sync that folder daily to a cloud provider.
I have needed that once so far, and noticed a few apps (outside the obvious Signal Whatsapp etc) did not restore data because developers decided to not allow it for some idiotic "security" reason, so I was glad to have manual backups just in case.