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The “threat model” approach from security is useful here too. (Or Business Continuity / Disaster Recovery, if you're familiar with that domain, or want to learn it.)

What are the threats to your content availability — hosting provider censors you, hosting provider dies, your cloud servers die, your on-premise servers die or their storage is corrupted, your workstation dies or its storage is corrupted, you miss a bill, you lose your ability to pay bills at all?

How likely are these? What happens? How much do you care? How could you recover and re-publish your data? How quickly do you need to recover, if at all? How much (time, money) is it worth investing now, to reduce the risk of future data loss or the duration of an outage?

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