That's the line the clouds, MSPs, and service contract providers sell you on, but it's never true. When you need help you're getting some minimum wage slave who hired on 6 months ago, and is struggling to juggle the dozens of other clients competing with you for his time, too. When you don't need help, they get to take your money for doing nothing.
Anything your provider can do for you, you can do at less cost. Cut out the middle man and you're far better off.