Spotlight is a GUI for the utility mds (metadata server). mds and mdworker are utilities that inventory hard drives for Spotlight. They are separate from Finder. Finder is a file manager, Spotlight (and mds and mdworker and mdfind) are all associated with the hidden index you have already discovered.
There is another command that returns the information you seek: mdls
To see how to use it, open Terminal and type
That will give you the syntax for the command. You can try to see if there is a way to take the output through some filter to get more than one file at a time, but it's going to be ugly. You might use some combination of mdfind and mdls. mdfind will give you names you might be interested in the rest of the data, then mdls can give you the information on that file. Again, ugly but works.
As for disaster recovery utilities, you are right that if everybody backed up the developers and companies would suffer. But personally, I've had a double drive failure of both the drive and the backup, so I know that even with a backup discipline, you can lose data and be forced to a recovery company or product. Using your logic, however, I could make the argument that if everybody just obeyed the law in driving then there would be no need for body shops, or tow trucks, or accident insurance. Won't happen, so those things are needed. But I'm not going to buy insurance and then drive crazy, and I'm not going to rely on data recovery to protect me when I can do a backup and be reasonably safe. (As an aside, I now do TWO backups to two separate backup drives with two separate backup products as a lesson learned from the dual failure I mentioned.)
Good luck with it, not having a backup sucks...