Panel
Take a backup from DirectAdmin
The panel can pack files, databases and mail into a backup you download. A copy that stays only on the server is not a backup you control.
In DirectAdmin, create a backup that includes the domains you care about, the databases and the mailboxes. Download it. A file that sits in the account still dies if the account is deleted or the disk fails.
Restores are not instant theatre. A bad plugin can be rolled back from that file only if the file contains the database as well as wp-content. Files alone will not bring posts back.
The terms say server-side copies are a courtesy. Plan as if they are not there. The backup section of the terms is the rule, not this note.