Do you make daily backups of your databases? Typically most hosts will do a daily backup for you, and my host does this. I never take a daily backup, I did backup my database last night since my forum was having issues. (I fixed it now though.) I guess it doesn't help to have a offline backup just in case.
However, takes too long and has no space on my PC. My host does weekly backups however I passed the threshold that they allow ;( I'm over 20GB that they allow and so RIP me on that.
that I set up a CRON job that backups MySQL database once a day