Especially with easy backup solutions like Apple's Time Machine, there's really no excuse not to. Just grab an external drive, and let it do it's thing every now and then. Automated backups have saved me a time or two, for sure.
Fortunately I haven't needed a backup... yet. I don't have Time Capsule, but I do use Apple's Time Machine regularly just in case. I have a 500GB External Drive that I use for backing up and as general storage. Time Machine makes it very easy!
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