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18% of people running Nextcloud don't know what database they are using
(programming.dev)
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The poll did not ask specifically for self-hosted instances. You know you can buy hosted Nextclouds where the service provider hopefully cares for that stuff? So customers wouldn't know which database they use. I don't know which database my mail provider uses ¯\_(ツ)_/¯
Fair enough, I did assume the target audience was selfhosters based on the question.
As for provider backups - well, you'd hope. But M$ doesn't do user available backups, so I'd be surprised if that was bundled by the average SaaS provider.