This is why it's critical to automate this. Even if you do not have the cash flow to spend on the "admin panel" subs, find a decent dev and they can script you something that will at least preserve your most critical data. It's a one time fee for all practical purpose. Make it. even if it's just a backup to your backup.
This hasn't happened to me, but not because I had backups, per se.
I don't just take automated backups, I also test my backups. I don't care if you take manual backups once a day or whatever makes sense for the speed of your site (once a week may well be fine) - but you need to verify you can retrieve from that backup, otherwise it's not a backup, it's a false peace of mind.