I have no problem performing back ups of my PC data and all data should be backed up.
The upside to subscriptions is often lower initial cost and no updates or updates required.
This concept works well with design software like raincad.... you would often buy a new or upgrade every 3 to 5 years. With the subscription you alsways have the latest data base of irrigation parts used in the design.
I subscribe to the on-line billing and merchant services through Quickbooks but I am seriously considering dropping it as I have to consider cutting cost. I can still e-mail invoices through QB but the clients would have to mail me a check or they could use quick pay through chase. This would likely save me 100 a month for the few residential clients that I have. My commecial customers use EFT and checks.