This "let's not back up .git folders" thing bit me too. I had reinstalled windows and thought "Eh, no big deal, I'll just restore my source code directory from Backblaze". But, of course, I'm that kind of SWE who tends to accumulate very large numbers of git repositories over time (think hundreds at least), some big, some small. Some are personal projects. Some are forks of others. But either way, I had no idea that Backblaze had decided, without my consent, to not back up .git directories. So, of course, imagine how shocked and dismayed I was when I discovered that I had a bunch of git repositories which had the files at the time they were backed up, but absolutely no actual git repo data, so I couldn't sync them. At all. After that, I permanently abandoned Backblaze and have migrated to IDrive E2 with Duplicati as the backup agent. Duplicati, at least, keeps everything except that which I tell it not to, and doesn't make arbitrary decisions on my behalf.
Edit: spelling errors and cleanup