[4] Backing up your wallet regularly, and storing your private keys/ seeds / paraphrases careful and safely
I have to do it, definitely. In worst cases, you can recover wallets and funds inside.
Backing up a wallet file regularly don't add any value. It's the same if you do once unless you haven't change passworded. It's better to put the same file in several devices ao that if one file get corrupted, you can recover. Storing seed key is best in my opinion.