I understand your question. You're asking me to convince you to not do something you feel is necessary. I don't know why I would want to do so!
No doubt there are situations where you could have a problem, but they're incredibly rare, and would typically be easily resolved with an archive-and-install or similar. It's just not a serious problem: nearly all backups, regardless of platform or program, are done on live volumes.
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--Dave Nanian
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