Hello!
There are lots of hosting options out there that provide a development workflow.
You can read a bit about how to get going here:
http://www.wpbeginner.com/wp-tutorials/how-to-create-staging-environment-for-a-wordpress-site/
It is definitely recommended that you cultivate the ability to:
Backup often
Backup to your host (with local files)
Be comfortable with restoring when needed
Be able to clone your site to test updates or new settings
On our server requirements page we recommend Cloudways which has a lot of integrated functionality including the ability to clone a WP site, with the assorted bells and whistles to make that a relatively painless affair.
https://support.cloudways.com/using-git-for-deployment/
WP uses MySQL, and you can check out their licensing on Oracle’s site: https://www.mysql.com/about/legal/licensing/