Have you ever lost your files? I can tell you from experience that it is a gut sickening experience. All it takes is a sudden hard drive failure to lose everything, even with a new computer. I had a top of the line HP business desktop that suffered a hard drive failure only 1 month after purchase. Luckily I had already learned to create backups.
A great majority of us tend to procrastinate the backup process. It is not an issue of "IF my computer hard drive crashes", but "WHEN it crashes". I had a new hard drive crash within the first month of use. Storage devices wear out and have to be replaced often.