I know that I heard about backups and backup plugins for many years before actually using them and I regretted waiting as long as I did, because in the meantime I lost websites and I lost files. If I had simply run a backup every week I would not have had to worry about lost information. I wouldn't have to worry about getting hacked, clicking a button, deleting files, deleting websites, deleting content. It all would have been safely stored in a backup somewhere.
If you are hesitating...