I cannot stress the importance of having an offline backup. An offline backup is a copy of all your valued data to a backup medium such as an external hard drive that is stored on a shelf, in a safe etc. Anywhere but plugged in. Ideally you put it off site as well in your bank’s safe deposit box.
Storage is cheap these days. Just check out all the holiday sales on external usb drives. Get yourself one, copy all your data to it once a month then store it someplace safe where it is not plugged in. I use my safe here at home until I can move it to my safe deposit box away from the house.
I just spent two hours trying to recover data for my wife’s friend. The internal hard drive of the computer claims to be 2TB. A heck of a bargain when it originally was 40GB. The external drive she was using for backup is also toast. It sounds like a bomb waiting to go off. The reason for the loss? A nasty storm and only using a surge strip. Surge strips are a waste of money for anything but the most basic of electronics. Computers, game systems etc. Get yourself a UPS. That might have saved this person from the loss of all their data except what I could piece together from their ipod and a few usb thumb drives.
Still the best solution is an offline copy of all your data where no power hit or fire can affect it.