I lost a season and a half in a rollback yesterday. We had both been saving backups every single week. It didn't help.
Don't forget there's a third problem. Online dynasties are rolling back. I'm not locked out, I'm just in week 3 of season 1, when I was on week 10 or 11 of season 2. I advanced fine, the other guy in my dynasty did too, but when it came up he was looking at week 3. So there was a moment when we were both looking at our respective screens (same house) and one of us was 19 games behind the other one. We still had our "up to date" user comments, we still had our teams (Navy and SMU), but he had rolled back and his recruiting list had been randomized from where it had been week 3, season 1. The minute I left the game and came back, I was week 3, season 1 as well.
In our experience, once one rolls back, the other will shortly follow.