Finally. Been waiting a long time for you to see the inherent flaw here, and have watched several folks try to lay this argument out for you in the past.
Nothing is safe.
Harm R E D U C T I O N …………Determining one's own ROI on that is the best one can do. No insurance can really replace lost\missing\stolen\deleted
keep on keeping on. Love the topics you raise.
edit: I mean, for ex; you could be saving / storing your data in a secure location, etc but if you cannot access the software to open\edit\delete, you're still screwed.