ActiveCollab has built-in daily backup to dump everything to disk in a recoverable form, and then the server itself is backed up. If I wanted to go crazy I could spend another minute adding the files to the cron job that syncs data up to S3.<p>Of course there's a chance that it'll involve a bit of maintenance at some point, and that'll soak up a bit of my time. My experience with hosted solutions is that they have far more frequent hosting issues resulting in lack of access to data (be that scaling problems, being offline for maintenance, bad deploys etc) which soak up lots of time for everyone on the project.<p>When I'm in control of the situation I know that at least in a bad case scenario I can spin up another server, grab the last good backup and be up and running again within the hour. That has a lot of value.