I just want to point out that you can do backup at anytime you want.  As a general rule of thumb, I would never keep more than 2 copies of my backup files on-line otherwise they would use up our disk space (I do keep all these backup files on my own PC by downloading them from OIA)

To restore your backup file is task that can only be performed by the OIA administrators.  There's usually a nominal fee for performing such a service.

I have heard through the grapevine that, in the near future, OIA will come out with a whole host of  software that not only lets you view or search your data offline, but also lets you work offline and upload them later.