As we can not access sharepoint online databases, how we can backup current/future sites collections

You raise a valid concern about relying solely on Microsoft's backups for SharePoint Online. It is important to have a comprehensive backup strategy in place to minimize the risk of data loss. Your questions about how SharePoint Online backups work to https://www.easeus.com/data-recovery/recover-permanently-deleted-files-in-windows-10.html compared to on-premises backups are important to consider. Understanding how backup tools work and how they can be configured to cover newly added site collections is crucial. Additionally, you bring up a valid point about the need to back up custom term groups, term sets, managed properties, and crawl properties. Overall, it is important to carefully evaluate backup options and assess the potential consequences of data loss.