[cm2187]

Fire, malware, accidental deletions, capricious RAID controller (pre-ZFS). And that’s only the stuff that happened to me. Add power surge, theft, correlation in SSD failures (eg power on counter overflow firmware bug), damaging the array while moving, etc.

[bluGill]

Malware, accidental deletion, RAID controller issues - all things ZFS with snapshots are immune to. You can decide if the other worry you or not - the risk is not zero, but it may be acceptable. Your backups are all subject to similar issues.

[cm2187]

Snapshots don’t protect you from malware. I bet 99% of home users use the same credentials on all their machines, once a malware compromised one, the others are compromised within seconds.

[edit] also snapshots aren’t really workable for large files. Remux a movie file and now it occupies twice the space.