And for this estimation, I’m really taking your word that migrating 50 people in an emergency is really going to take only a couple of days, which I honestly don’t believe.
Sure, if you get a business account for your solo business, a backup will save you. If you have more people or a non trivial Google setup, the backup recovery is it’s on challenge while you could be working on your business if they didn’t, in this hypothetical but very possible scenario, lock you out of your business tools.
If that is truly how you feel then I pity the fools who give you their business.
Lots of people have directly stated otherwise. Are you super sure they're wrong?