This question is being asked alot. Yes! I thought I did have backups. But what I learned is that it is not enough to just export an xml file. I will be writing up a full FAQ of what I learned later on.
But if you are a blogger I highly recommend taking the time to contact your host and talk about their backup options. And really dig into their plan to make sure they have your site truly backed up so you don’t end up where I am!