> "what if it suddenly dies and I loose everything?"
This is not a hypothetical; all drives do fail at some point - it's just a matter of when.
The only way to be safe are external backups, not even RAID (which in unlucky cases, can suffer from serial failure).
If one really doesn't want to spend any money, an option is to periodically backup to an external drive, although cloud backups are relatively cheap and automated, nowadays. But also this is subject to localized mass-failure, ie. burglaries.
This is not a hypothetical; all drives do fail at some point - it's just a matter of when.
The only way to be safe are external backups, not even RAID (which in unlucky cases, can suffer from serial failure).
If one really doesn't want to spend any money, an option is to periodically backup to an external drive, although cloud backups are relatively cheap and automated, nowadays. But also this is subject to localized mass-failure, ie. burglaries.