I’ve seen more data loss scenarios than I can count: hardware failure, ransomware, accidental formats, file system corruption, you name it. Most common causes in my experience:
The reality is: losing data isn’t always about doing something wrong. Sometimes it's just bad timing and no safety net. What I recommend now is, same thing I use for personal and work stuff:
• 3-2-1 backup rule (3 copies, 2 types of storage, 1 offsite)
• Synology NAS w/ RAID1 for local redundancy
• Backblaze B2 for cloud backup
• Monthly encrypted snapshot to a cold HDD to store off-site
Also: test your backups. Every few months, pull a random file and make sure you can actually restore it. Seen too many people with “backups” that didn’t work when it mattered.