I back up my blogs using a free plugin WP DB Backup. I can always restore my blog to the 13, if anything happens. I use my blog to be scanned by WP Security Scan plugin that is free and requests that are suspicious-looking to be blocked by WordPress Firewall to clean hacked wordpress site.
Should your site's server go down, everything you have worked for will go with it. You will make no sales, get signups or no visitors to your website, and in short, you are out of business until you have the site back up again.
Recently, the blog of Reuters was murdered by an unknown hacker and published a news article that was fake. Since Reuters is a news website, their reputation is destroyed due to what the hacker did. If you do not pay attention on the safety of your WordPress 20, Something similar may happen read review to you.
As I (our untrue Joe the Hacker) know, people have far too many usernames and passwords to remember. You've got Twitter, Facebook, your online banking, LinkedIn, two site logins, FTP, web hosting, etc. accounts that all come with logins and passwords you will need to remember.
Do your homework and some searching, but if you are pressed for time and need to get this done once and for all, try the WordPress safety plugin that I use. It is a relief to know that my website (and business!) are secure.