if your filesystem isn't changing much from day to day, you may consider taking a weekly/monthly filesystem backup and downloading to your home PC/NAS. Of course if your filesystem is constantly changing, a daily backup of only the new files should be done probably.
The database backup however, should be done daily and a daily off-site backup as well. (Maybe even twice daily depending on how active/important data is)
this will provide a great recovery point should the unthinkable happen.
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