Oh wow that really helps alot. Thanks man....
Ok so if i back up the data to an SD card, would that work? Could someone give me a brief how to on that.
Sorry, I wasn't trying to be unhelpful. It's just that the idea that it's somebody else's responsibility ("fault") to protect my personal data is strange to me. Your game, and your character, are located on your computer, not on Steam's server.
If you simply want to back up a saved game (assuming we're talking about PC here), it should be simply a matter of drag-and-drop from your "Documents\My Games\...whatever" directory to your SD card (or thumb drive, external HD, etc.)