There is no one answer to this question as the decision of whether or not to change Photoshop's settings depends on a variety of factors specific to your work. However, generally speaking, if you forget to change Photoshop's settings and lose your work, you can usually recover it by restoring the original files from a backup. If you're concerned about losing your work in general, it may be best to make sure that Photoshop automatically saves recovery information every 15 minutes so that any lost files can be easily recovered.