Hi pam4
I suspect it isn't available any more - I found this out by chance - when MYOB rolled out the PC Ed 2026.5 update it still had the ability to view and download to the local drive and restore as such - then suddenly that version overnight could do that anymore - but by pure luck I had got a copy of the 2026.5 PC edn that could do that.
Download the AR SE 2026.5 version and it will enable you to open 2026.5 files and backward.
The backup to the current working file has few options - backup yourself daily or let the auto MYOB back up weekly. But that is it - there is no hack or whatever to enable you to download these - you can back up restore only from the repository associated with that file...... you can ask through an email to support for a copy but it costs.
However, that backup is useless except to store - you can't open it, you cannot directly restore it to online - you can of course upload it to MYOB support and they could restore it to a subscribed account for yourself.
At present there are no really good answers to your questions to ensure you have all bases covered.
Even if I did some seriously night time work and hacked the database to enable opening future files - which I think is a real option - I can open the database and alter parameters but haven't done much Shelocking.
Also, I am not sure of the format a backup file from MYOB support comes in - likely they are using Azure but I am not sure..... it could be proprietary.
The Doc