A short self-assessment.
DO BACKUPS EXIST
Not "is a plugin installed", but: is there a file, dated recently, of plausible size, that you could open?
WHERE ARE THEY
If the answer is the hosting account, they do not protect you from most scenarios.
WHAT DO THEY CONTAIN
Files and database, or just one? Email? Other sites on the account?
HOW FAR BACK DO THEY GO
If a problem started six weeks ago, do you have a copy from before it?
HAVE YOU RESTORED ONE
Ever? Recently? Do you know how?
HOW LONG WOULD RECOVERY TAKE
Roughly. Hours, or days?
WHO ELSE COULD DO IT
If you were unavailable, could anyone?
WHAT WOULD YOU LOSE
From restoring to last night's backup, what disappears?
IF THE ANSWERS ARE UNCOMFORTABLE
That is useful. Most people have never asked, and discover the answers during an incident.
Fix the worst one this week.