The CRM database is exactly like any other SQL database, so that should be the grounding of all your efforts around backing up the CRM database.
That said, the 'deploymentname_MSCRM' database is all you need. As long as you have an empty CRM instance on another server, you can restore the database backup and be up and running with data as of that backup time. So yes, the same as your
live system minus that day's data.
You can also cluster your SQL servers on the back end so even if you lose one server, you don't lose that day's data. In fact, you
should do this for failover, high availabity, and better performance.
Also, don't lose your encryption keys. CRM 2013 needs its encryption keys, so make sure you have them.
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