Using WordPress to create your site is a similar experience to using a website builder in terms of process. Which platform you should use is a matter of preference. It depends on which one feels most intuitive to you and gives you the most flexibility for your site design and maintenance. A big advantage of going with WordPress is the large community of support, both official and from other WP software users.
Bluehost backs up your site on their cheapest plan. With their Choice Plus plan, you get CodeGuard included for free, which is a more customized, advanced backup tool. There are also plenty of other backup plugins you can use for websites like UpDraftPlus, VaultPress, and BackupBuddy. In the end, CodeGuard is not worth increasing your monthly cost and you can find better alternatives.
The user gets his or her own Web server but is not allowed full control over it (user is denied root access for Linux/administrator access for Windows); however, they are allowed to manage their data via FTP or other remote management tools. The user is disallowed full control so that the provider can guarantee quality of service by not allowing the user to modify the server or potentially create configuration problems. The user typically does not own the server. The server is leased to the client.
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