I'm by no means a security expert, but I encrypt all my drives with LUKS on ext4 (or btrfs with the system drive on Fedora). I have a similar use case to yours, so i would be interested in your disaster plan as you call it.
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Oh by disaster plan I mean incase of drive failure/my death. Its the 3,2,1 backup rule basically. 1 original backup drive and a copy of it are local in a fire resistant box within a bolted down safe, then an offsite cold copy of my backup drive is at a loved one's home where backups are manually updated monthly. The more important data is also stored in the cloud with cryptomator just as more insurance for myself. A laminated paper with credentials needed to access the data is stored in 2 places, another loved one's home in their safe (cloud provider account credentials opted out) with instruction in case I die, and hidden local in case I forget anything.
I'd choose LUKS over Veracrypt for simplicity. If the drive is solely for backup, depending on the backup tool you use, you might not even need encryption on the file system level. Several backup solutions support data encryption.