Through using a repair hacked wordpress site backup plugin, the best way to ensure your is in my opinion. This is a relatively inexpensive, elegant and easy to use way to make sure that your website is available to you.
If you're one of the ones that are proactive, I might find it somewhat more difficult to crack your password. But if you're among the ones that are responsive, I might just get you.
Keep control of your assets - Nothing is worse than getting this your livelihood in somebody else's hands. Why take chances with something as important as your site?
You can extend the plugin features with premium plugins like: Amazon S3 plugin, Members only plugin, DropShop etc.. I think you can use it and this plugin is a fantastic choice.
Don't use wp_. Most web hosting providers are currently removing that default resource but if yours does not, adjust wp_ to anything else but that.