People rag on Apple, but they sure do make backing up a breeze. Time Machine has saved my ass several times over the last 8 years. The built-in Disk Utility.app also makes creating bootable disk images of your entire drive (or just a folder) very easy. (You can even restore said images to a smaller drive; Time Machine can do that too. Finally, you can always use dd or rsync from the command line to backup and restore drives.)
They make it look easy but HFS+ is just boiled shit. My MacOS love was killed by incremental corruption of a time machine backup and a failed time machine appliance on separate occasions. Journaling doesn't even work on the filesystem. That took a month to piece together afterwards.
The introduction of CoreStorage with Mountain Lion gave HFS+ a nice facelift and was a good stopgap measure. Ideally it would have only lasted a few years and we'd have been on ZFS by now. Unfortunately, due to concerns over the future of Sun, that didn't happen.
The good news is that macOS Sierra includes a DP of Apple's new APFS, which will be replacing "HFS+ w/ Journaling" next year (across *all* Apple devices I might add, from the Watch to the iPhone to the ATV to the Mac). I've been playing with APFS and it's *very* stable already, so I'm really excited to see what they do with it over the next 12 months.
It includes snapshots as well, which should fundamentally change the way Time Machine works and make it much faster, too.
That all said, I've been running OS X exclusively as my primary OS since 2003 (and using it since 2001) and I've never lost any data or had a single crash due to file system problems. Keep in mind, that includes my parents, who I've had on Macs since 2006, plus a small business that I did contract IT management for which ran on Macs (around 50 of them, circa 2008).
I've never had a Time Machine backup fail to restore in all that time, either. (Though, I have had some Time Capsules fail; specifically the first generation units were notoriously prone to failure due to a combination of those 1TB drives (which had just come out) being unreliable and running too hot.)
I generally recommend to anyone who uses a Time Capsule to get an external drive and run a full Time Machine backup to it each month (or at least make a Disk Image of their Home Folder and save it on the drive). Though, that advice is a bit redundant now that macOS Sierra offers the option of syncing (most of) ~/ to iCloud.
For me personally, I use a Time Capsule because it's super convenient. To make sure I've got a somewhat recent backup I've got an (original) Drobo hooked to a SBC in the closet, setup as a file server; once a week it runs a script which uses rsync to copy the latest backup over. It then mounts the DMG (via FUSE) and attempts to checksum a handful of random files. That's a good sanity test to make sure the backup is readable.
Anyway, I've never needed to use a backup from there as the Time Capsule has never failed me.
TL;DR: HFS+ is old, but it's not nearly as bad as *some* people make it out to be, especially since Journaling and CoreStorage came on the scene.