Sorry to hear, but that’s a good attitude to have.
I try to back my card up from time to time, because I’ll occasionally get a bad checksum when I load a project (using a Sandisk Extreme 64gb). Between occasional backups and always saving at least two versions of any important projects I’ve never lost anything of value yet (only had two projects get corrupted so far, and the first one may have been a case of not waiting long enough after the card light stopped flashing before powering down - I like to give it a few extra seconds just to be on the safe side).
Backing up is really just a matter of copying all of your files over, unless you have so much on there that it takes up a lot of space. Octazip is pretty affordable though, so might be worth a try when it’s OS 1.3 compatible (I bet it would work fro 1.3 machines already since the file structure is the same, but it isn’t officially supported yet). I haven’t used it but it sounds good.
Alternatively, there are some free differential backup programs, you could just use those if you don’t need to backup or migrate inividual projects and just want to maintain a current backup of your whole OT card.