i've worked at a couple of small companies that didn't regularly back up their data, and soon or later they will wished they had, at one company they lost many months worth of their accounts, so a few of them spent weeks going thru delivery notes and invoices to find who owed them money
. most companies would never survive this.
programs can be easily replaced, data like your accounts, pictures,chat logs cannot beso do regular back ups
i think you said you was a s/w developer jim, what languages do you program in ?