I do not need backups. There is nothing important on my computer; everything is on the web.

Suppose the claim is true and every file you care about lives in the cloud. Now your computer dies on a Tuesday morning. What is on the replacement machine? Nothing: not your programs, not your printer setups, not your saved passwords and browser profile, not the accounting software configuration, not the seventeen small settings that make the machine yours. Rebuilding all of that from scratch is one to several days of downtime and frustration. Restoring a system image from a backup is a matter of hours. The backup is not protecting documents; it is protecting your time and your ability to work.

The 'everything is on the web' premise also deserves one hard look. Cloud services protect their infrastructure, not necessarily your data from you: files deleted or overwritten (by accident, by a disgruntled employee, by ransomware syncing up through your cloud drive) are often only recoverable within short retention windows. Microsoft 365 and Google Workspace both recommend third-party backup for exactly this reason. So the honest question is not whether your data is on the web, but whether the web copy has the history and retention you would need on a bad day.

The right-sized answer for a genuinely cloud-first business is modest: image-level backup of the machines so any of them can be rebuilt in hours, plus backup of the cloud data itself (mailboxes, drives) with real retention. It is a small line item that converts your worst IT day from a lost week into a long lunch.