Earlier quoted context omitted.
Disks go bad. RAID is nontrivial to set up. Hetzner had a big DC outage that lead to data loss. Off site backups or replication would help, though not always trivial to fail over.
Not as often as you might think. Hardware doesn’t fail like it used to. Hardware also monitors itself reasonably well because the hosting providers use it. It’s trivial to run a mirrored containers on two separate proxmox nodes because hosting providers use the same kind of stuff. Offsite backups and replication? Also point and click and trivial with tools like Proxmox. RAID is actually trivial to setup.l if you don’…
Even if you do ZFS makes this pretty trivial as well.