I couldn't help noticing the difference you made between "your own stuff" and "the whole laptop", which is still your own stuff. You probably meant what's owned by your user id and what's owned by system user ids. Still that made me think.

I think there are two forces at work here. One is the increasing lack of trust in any piece of software downloaded on phones and computers. This because advertising, spyware, spies, etc. The other one is the habit of renting vs owning. People is used not to really own music, books, apps, etc and even files to some extent. They are in the cloud and we can lose access to them if the owner of the cloud terminates our account. So we're growing accustomed with the idea that less and less of what we use and produce is really ours. Pieces of the hw, sw and data we paid for are somebody's else property. That's bad IMHO.

I'm not on a Mac and I'm backing up all my laptop, included configuration files owned by root and other system users. I understand that non technical users are fine with appliance like laptops that can be returned to the manufacturer and replaced with a new one as I do with a refrigerator. As a developer I prefer to keep control over my stuff. If I were in the refrigerator industry I would probably like to service my fridge myself.