Heck - look I totally understand what is being discussed - but (heh, you knew that was coming) ya got to back up ! Hell, Apple make this so easy.
I really sympathize when work or memories are lost but the cost these days of maintainig a robust backup strategy is next to nothing.
Can't blame Apple imho - drives die sooner or later.
Fwiw - I've lost 5 external backups over the years. Only 1 was mission critical - and not cloned to another. I count myself very lucky.
Anyways- cold comfort.