No except...
I agree with many of your points about fault tolerance and backups etc. but that can be accomplished without an expensive server. If a business is large enough to pay a person for support on a regular basis even if it is only every month or less frequently then they should probably have a server. When you add a server you add thousands for that and regular maintenance. In a small company with a handfull of desktops good computing habits by users (backups, etc.) is a lot less expensive and will provide as good or better service to the business without a server. One can set up a methodology for them to follow to back up data and even whole desktops that will provide more value to them in the long run than a server. Even with a server they still need to do most of these things.
