+1 for SuperDuper for sole-proprietors/very small businesses.
I use TM, but for me it is an additional layer of protection, mostly for times when, for whatever reasons, I don't get my daily back-ups done.
I clone my system drive every night.
I maintain two backups of all Libraries (I use Aperture) and camera files. Each week I rotate the backup media, keeping one set off-site and never having the working copy and both back-ups in the same physical location. Each night SuperDuper updates the backups of all Libraries and camera files. I have SuperDuper programmed to run when I plug in my back-up drives.
If I lose my computer, I lose a day's work. If I lose my studio, I lose a week's work.
One note about SuperDuper: it is much easier to maintain a regime based on drives (or partitions) than on folders or files. Today's drive throughput is very fast (USB3, Thunderbolt, SSDs) and drives are (imho) a bargain. I recommend buying drives in triplicate, dedicating one drive to your working copy, and using the other two for SuperDuper clones (as back-ups).