Malware, accidental deletion, RAID controller issues - all things ZFS with snapshots are immune to. You can decide if the other worry you or not - the risk is not zero, but it may be acceptable. Your backups are all subject to similar issues.

Snapshots don’t protect you from malware. I bet 99% of home users use the same credentials on all their machines, once a malware compromised one, the others are compromised within seconds.

[edit] also snapshots aren’t really workable for large files. Remux a movie file and now it occupies twice the space.