First read this (extra credit for reading the DF source article).
We couldn't agree more here. We probably advise users of this more than anything else. And it's for good reason. Hardware failures, human error, power outages, natural disasters, and other "acts of God" happen and there's no avoiding it. What can be avoided is the shame of telling your boss that the database containing all the financials and job data is gone and there's no getting it back. That there is a potential employment-ender. Fortunately these days with the option of SQL databases, damage is far less common and snapshots can be taken multiple times per day while users work. However, we still do hear of the occasional horror story. Please don't be one of them.