Database and custom file backups are essential.
There are many posts in the forum topics about irrecoverable errors, WSOD, database gone fubar etc. There are times when your site goes awry or gets deleted or corrupted, and the only or best choice is to restore it from a backup.
Backup & Migrate
The Backup & Migrate module facilitates emergency recovery and site migration. You can configure it for automatic backups saved to the filesystem - with more frequent backups during development.
You can also create a manual backup before undertaking any complex configuration. That way, you have a "restore point" in case of disaster.
While there may be some issues of security when you save the database and content as a file (you could exclude certain tables, perhaps), the benefits of having a rollback in case of disaster are significant.