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What's your hosting provider? Are you on manged or self-managed?
As the guys already said before... if you value your business... etc etc
There are many ways to be more safe, raid (when you're on dedi box), cloud storage, better backup management system, local backing up (this not necessarily has to be pain in ass, it can be automatized, once you setup your secure script to back up files and databases then it's just a matter of pressing one button or even better you could put it on autopilot with task scheduler) ...
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 This is sig area!
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