You can always get your data if you do backups - like you should in any case - so that point is moot.

So, you're paying and giving up on a nice webmail client with two-factor auth (how many providers offer this?) for "finding out what happen". I don't think it's a great deal.

I'm not a Gmail apologist, by the way - I think there are valid reasons not to use it, like not giving Google a copy of your whole life - but I don't find their policy for when "shit happens" a real problem.