A lot of the fear I detect here is along the lines of "what if (something breaks|customer calls) at 4am on the day my wife is giving birth???" The reality for me in the last five years is that's not something you need to worry about.
My sites generally don't break, and not because I'm awesome or anything. They don't break because they're built on a stack that doesn't need any attention pretty much ever, and for the most part they don't try to do anything particularly remarkable. Reading/writing from databases and displaying the results on a web page is pretty much solved. You get four nines right out of the box unless you go out of your way to choose a flaky platform.
My customers do actually call from time to time, but it's not the sort of thing I'd consider getting out of bed to worry about. The ones that pay money generally get a response within a day, and the ones that don't pay me anything will probably get a response when I get around to it. That, also, has worked perfectly well for the last five years.
So while it did in fact turn out that I had a "crisis" at 4am while my wife was giving birth, it was in no way a priority for me to do anything about it just then. I had much more important things on my mind. Putting off the disaster recovery process possibly led to losses in the two, possibly three figure category. Fortunately as a single founder, that's the sort of decision I get to make all by myself.