You have backups but apparently no feasible restores.

I have always an up-to-date image of my Macs created and updated each night with Carbon Copy Cloner (before that, I use SuperDuper!). In case of a problem with any of my Macs, I can simply boot from the image on another Mac and continue to work. If I cannot fix the problem, I copy the image to the respective Mac or a new Mac …

Carbon Copy Cloner (CCC): http://www.bombich.com/ SuperDuper!: http://www.shirt-pocket.com/SuperDuper/

You can use TimeMachine to automatically back up everything. Or a more customized solution using Carbon Copy Cloner.