Setup backup hooks with velero and kopia on a HA postres cluster this week. Biggest DB is Lemmy and that shrinks by a factor of 10 using pgdunp with custom archive. Dumping is 100% the way to go!
Similarly I should do this for my sqlite applications, it looks like kopia can't do incremental backups with them and thinking about it, it makes sebse, likely sane reasons you mentioned.
They rejected me for using for personal notifications. I get being strict but good God let me use your service and if I abuse it shut me down.