I like reading your posts Dave always puts a smile on my face.
My provider is awesome and looks after me so well, It was a freakish thing that even shocked them!! And they are aleady so generous to me so I won't ask for more.
It really comes down to what you say.
1. Save often
2. Backup often
3. Don't trust your data to anyone!
I am trying out one of the backup bots, got it working on one site but not on my big site? Hmmmm more testing.......