I say this with the most light hearted smile....
I must have a chuckle in response to the 2 posts after mine ....when reading me saying "its not essential" and giving no credence to me saying "but always a good idea to keep a back up"
I don't feel the need to spell it out.... but yes, coming from someone who does perform regular back ups, IN MY OPINION, it is essential too, but the question was what it was, and I gave the answer which if read between the lines, which I have no doubt that it was, was answered
So, in future, I think I will take more care to give more detail as to my thoughts on the matter!
An external backup is a bit of a must, and time machine makes it so easy to be safe!