Well, it wouldn't help with those files considering how you can't access them. But it would, however, help prevent this issue in the future.
However.... This means your files are no longer private..... I could see storing things that aren't that important and just clogging up your HDD.... But no personal files.
Yeah I know it wouldn't help me now but basically I'm just saying that I'm too lazy to back-up everything all the time.
Wouldn't we be able to choose which folders are stored onto the server? And couldn't this huge website with our files be password protected? If it was I would just put on work which I need to transfer to school and things which I may need to access on other computers e.g: music.