I would use /bin/sh, that's the most portable. Most of the time, scripts start with /bin/bash because that's mostly what linux users know. They often don't actually use anything bash specific. Don't use ksh unless you need something more than what sh provides.
I put everything under /usr/local since the system doesn't touch anything there on upgrades.
For "snapshots", I recommend sysutils/borgbackup as it does incremental backups and deduplication. Saves a ton of space and you can go back in time for an older version of a file.
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