Everything is working as we need it to. Pretty straightforward.
After the issues with Norton I am pretty anal about data backup as well.
So basically you have absolutely no clue whether anything malicious is running in the background (keyloggers, remailers, ddos bots, etc) if McAfee hasn't found it...
And you might just be backing it up along with your data. But it's not just about data loss anyway.
Good job you don't do your finances online tbh.