Well, I sync my iPhone in the morning, when I get back from school or work and before I go to bed or whenever I add something to iTunes, buy music etc. I sync every time a new piece of content goes into itunes. I sync usually 5-6 times a day. I do a backup as many times as iTunes will do it so I chose 2+ times a day.
I have my phone synced with my home system, and I only turn that on once a week or so. Mail, etc., are all on cloud type services, so I really wouldn't be out much if something bad were to happen (other than the cost of a new device (ouch), assuming it was a non-warranty problem). I'd lose some pictures and maybe text messages, but nothing that would result in me dying.
I'd like to but I can't figure out how. My computer keeps ejecting the disk saying there isn't enough room but if I put in a new disk then it starts from the beginning. Very frustrating. I'd be interested in any tips. Thanks.