I have had two WordPress blogs. That was in a time when I was doing virtually no online advertising, and until I found time to deal with the situation (weeks later), these sites were penalized in the main search engines. They were not eliminated, however the evaluations were reduced.
If you do not have good protection on your site, Documents can easily get lost. A few of those files might be stored in your computer and easily replaceable, but what about the rest of them? Where will you get them from again, if you lose them the first time? Especially secure your wordpress website is very important. Often, long-term sites have made a large number of files and have a lot of data. Recreating all wikipedia reference that would be a nightmare, and not something any business owner would like to do.
You can search. It is easy to look at this now restore your site by means of your files and change everything that must be changed if hackers abruptly hack your site.
Yes, you need to do regular backups of your website. I recommend at least a weekly database backup and a monthly "full" backup. More. Definitely, if you make regular additions and changes to your website. If you have a community of people that are in there all the time, or make changes multiple times a day, a daily backup should be a minimum.
Take note of your new password to the next time you sign in! I recommend the paid or free version of the software that is secure *Roboform* to remember your passwords.
Those are. Set a blank Index.html file in your folders, run your web host security scan and backup your entire account.