Using google docs (or any web based office apps) to write a novel (or do any other serious "heavy" work) is a terrible choice for a writer to be fair.
I do agree with you, though: one of the most important rules for computing in general is to keep multiple backups of everything. A while back, a friend of mine made a habit of emailing herself drafts of her work, and kept multiple copies on her computer. It did save her once or twice.
1. I write locally and have both manual and automatic backups (local and remote) 2. I upload drafts online for beta and alpha readers to leave comments 3. My group used to use Google Docs for this but stopped once I discovered the data loss
Happily, because local is the source of truth, I didn't lose any of my writing. I did, however, lose some feedback, and reconciling things was a pain.