“I don’t think I’d (we’d) be devastated for that long if a “if a fire took the house,”
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Fire DID take my house around 1989, and everything in it
except for my wife and daughter.
It is a very devastating event, and would probably be the same for you. In my case, there was no insurance.
This was pre-internet, and my 8080 computer was little more then a novelty then, but today there is just so much of our life on the computer...data, photos, records, etc.
This is why off site backup is important, and well worth the small cost.
All of the on-site backup in the world is worthless
if that site is destroyed or ripped off.
Don't want, nor meean to get into a pissing match with you ... jus' sayin'
I don't use any back up.