You can download your tree from Ancestry.com with FTM 2012 in such a way that it reads only, rather than writes. I would consider this to be a safe way to back up what you have. The problem, I think, is with the synchronizing mechanism. Although they've sorted out lots of the bugs that were breaking the sync for most heavy users, there still remain many quirkier bugs yet to be addressed. If you're not synchronizing, however, then I would consider the risk to your tree negligible.
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