Our policy is outsource the IT to WebFaction. They RAID our data and back it up daily. Thanks WebFaction!
If you are a start-up that doesn't have serious SysAdmin talent on-board, the only logical call is to outsource every machine possible. Even if you are ludicrously good hackers, you need to have a true Linux money, who isn't needed elsewhere coding, to consider not outsourcing web and email hosting. And you should back-up anything important on your personal computers to a managed box.
I really can't say how deeply I believe this. I've worked with multiple start-ups, and the minute you start trying to host your own website, do your own backups, serve your own emails - you're asking for trouble. Even if you set up everything right, just the time dealing with the computers could be better spent changing the world
Whatever you do, don't host actual email boxes in house. A telephone pole will get hit by a truck, and you will lose email for two days, and no amount of tech smarts will get you out of that. Trust me, it happens.
You can get a slice of a computer for $10 bucks a month these days from Webfaction - which comes with tech support that extends from installing PostGIS, to an optimized PostGres install, an optimized Apache static content server, and answers to tech support within the hour, even on the weekends. As soon as a machine you manage costs you an hour, you're financial decision has become a poor one.
Also, they have better security than you.