Sandy could have ruined all of them. But do you want to store all your personal photos at off-site public storage? I do not.
Exactly! I cannot tell you how may times I have been printing in the darkroom and stuff I am working on triggers a memory. I pull an old set of negatives and start printing from that batch. That would not be possible with off site storage.
I must say I have printed less than 5 % of all of the B&W negatives I have shot. I have scanned 95% of them however.