If it were to happen (if), no problem if you religiously back up your data. I’m just saying... (Still some folks who think they don’t need to back up their precious photos, contacts, docs, etc. Foolish.) Easy enough to restore anything that is lost, if you have a back up (if).
Losing your data only once is enough to make one a zealot. Happened to me 20 years ago and since then I have backed up everything and now store our valuable files on a raid server. And I even back up the server.