Yep, ultimately it boils down to "have automatic backups." FDE further complicates things, though, as if the volume master key is corrupted everything is lost.

Yep, ultimately it boils down to "have automatic backups." FDE further complicates things, though, as if the volume master key is corrupted everything is lost. If my hard drive dies, there's a decent chance that a data recovery shop can recover at least some of the data.