I know that this is the self-hosted community but I very much agree. The way I run my desktop is that I can, in most cases, lose my primary hard drive and I'll survive. It won't be pretty and I might have a few local repos that I haven't synced in a while but overall, it ain't bad.
Now, that doesn't mean I don't want my primary hard drive restored if I can do it. I've been lucky enough to be able to restore them from the drive. But if I can't, the most I lose is some config files, which I should start to version control but I get lazy.
I can't back up my media. It's just too big. But yar.
My greatest fear is losing my porn collection. 😅 But not enough to RAID.