Hey, great discussion on backup strategies!  I would add one more proactive piece to the mix.  I spent a number of years doing IT security and IT support for creatives and my advice has always been to use your production box as a tool.  Obviously you can't lock it away, everything is connected to something these days, but use the internet as needed, where needed.  For random surfing a throw-away chrome book or ipad shaped object is great.  You can't break it by surfing and will keep your important programs and data free to do what you paid so much for them to do.  When my computer was my living, I backed up weekly, to two different drives, alternating.  That way I had a backup.  Over the years, I've had to rebuild from a virus only once, but I've had 3 system drive failures.  Backups are your friend :D

Glad 13 is working, it's on my list of things to get!