What goes wrong if you skip it
A site that nobody watches does not fail loudly. A form stops sending. A backup turns out to be empty. A plugin update from two years ago is how a small business site gets defaced on a Sunday.
Care is the fee that makes those someone else’s weekday, not your emergency.
Do it yourself. Fine if you actually log in. Expensive the month you forget, and the form has been broken since March.
Pay a freelancer by the hour. Looks cheaper until you need them and they are on another job. You also pay them to remember how your site works, every time.
Do nothing. The usual choice, and the one that ends in a rebuild. Care is how you avoid that bill.