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Don't make the mistake of believing that your web host will have your back so far as WordPress backups go. Not always. It has been my experience that the company may or might not be doing proper backups, while they say that they do. Take that kind of chance?
What is the solution you should choose? Out of all the possible choices you can make, which one should you choose and which one is right for you now?
It is really sexy to fan the flames of fear. That's what journalists and bloggers and politicians and public figures do. It's see this here great for readership and it brings money. Balderdash.
There are always going to be risks being online (or even just being alive!) And it's easy to get caught up in the fear. We often put the breaks on As soon as we get caught up in the fear. This isn't a reaction that is fantastic. Take some common sense precautions forge ahead. If something bad does happen, it is going to have to be dealt with then and of quaking in your boots 23, no amount will have helped. All is good, if nothing does and you haven't made yourself ill.