It has nothing to do with being reckless, you are absolutely wrong. It is about creative writing which I am realizing that you don't understand it at all. Writing in discussion forums is not just an act of expressing some pre-installed ideas, it is also an artistic and sophisticated social behavior and as a writer I need my space to be more intimate and integrated.
Oh do shut up and get off your high horse. This has absolutely nothing to do with creativity or understanding it. I honestly don't know whether you're trolling now because I'm struggling to accept you can be so stupid (especially to someone who cares so much about their "creativity" and writing).
You are completely reckless if you solely rely on a web forum to preserve your precious writings for all of eternity. Do authors and noble poets write their masterpieces on web forums and rely on the draft feature to archive them? No. They use a computer. Or paper. And I'm guessing both parties are not dumb enough to only have one copy in existence. And if they do and they get stolen or their house burns down then they're at fault. Back up your shit. Back up your writings, back up your bitcoins, back up your mp3s and for god's sake certainly back up your porn.
As of costs and risks involved:
I've been posting in this forum for a while and have published more than 1000 posts a majority of them being long posts and many of them have took days to be ready for posting and I have never followed your recommended approach to use a separate word processor not even once. The other night, after 3 years of contributing to discussions, for the first time ever I lost my browser cash accidentally and despite my intentional use of preview/draft feature the server couldn't help me recovering my work because it is naively designed and implemented.
So, what? I should have been jumping between two editors for years to prevent this? Thanks but no. I'm fine but wasn't life easier if theymous would've written like 10 lines of code to give us a smarter drafting support?
I don't care how many posts you've written. Your carelessness has now costs you. You might be able to fuck ten thousand people without a condom and never catch an STD. Until you do. You just screwed up. Protect your shit.
Anyway, it's your own damn fault you lost your posts and use a word processor in the future. Or don't. But don't complain when your content goes bye-bye because you're the only one at fault.