I have tested Duplicati in both scenarios and I am not aware why I should choose to backup MSSQL databases by actually ticking them in the databases section rather than selecting the actual files in their respective locations.
In my tests both scenarios backup the data without error (unless you tick the installation folder which is a known issue). But from my tests I see that incremental backups of the job where I an selecting the databases are way slower then the job where I selected the actual database files. In both scenarios I am using snapshot policy required. Can anyone shed some light as to which way is the recommended way and what are the risks in doing it one way over the other?