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I’m an extensive WordPress user too. Tell me, why are you using wordpress.com? You really should be using a self-hosted version of WordPress, i.e. pay for hosting and have it installed. Quite simple to do. That way you have control over the backups of your site and you don’t have any restrictions on what you can do with it in the form or advertising or even the type of theme you choose. Webhosting doesn’t have to cost a lot and WordPress is free to install.