Short answer: for a property-management SaaS that must process receipts and retain the original file, use object storage for the receipt originals and choose database backups according to the recovery target. Managed database backups are the least complicated route to point-in-time recovery; exported database files in object storage are easier to index, move, and retain under an application-controlled policy. The cheapest design is only the cheapest after a restore drill succeeds.

The decision is about deletion and recovery ownership, not a storage leaderboard. A receipt has at least two recovery concerns: the binary original and the row that says which property, tenant, amount, and processing result it belongs to.…