Not really dumb. I do use them too but with Borgbackup on the top (since they support it natively).

I found Borgmatic ( https://torsion.org/borgmatic/ ) to be the best way to run my backups. It takes care of everything from pruning to verifying the checksum etc... and it integrates with some monitoring (like cronitor).

So Borgmatic + rsync.net is the best combo