Ultimately, secure your wordpress site will inform you that there is no htaccess inside the directory. You may place a.htaccess record into this directory if you want, and you can use it to manage usage of the wp-admin directory by Ip Address address or address range. Details of how you can do that are plentiful around the net.
Should the server of your site go down, everything you have worked for will proceed with it. You will make no sales, get no visitors or signups to your site, until you get the website back up 32, and in short, you are out of business.
I don't think there is a person out there that after learning how much of a problem WordPress hacking is that it's a good idea. Something I've noticed through the years is that when it comes to securing their sites, bloggers seem to be stuck in this state.
You can extend the plugin features with premium plugins like: Amazon S3 plugin, Members only plugin, DropShop etc.. I think this plugin is a fantastic choice and you can use it at no cost.
Implementing all the above will take less than an hour to finish, while creating your WordPress site more resistant to intrusions. Over 1 million WordPress websites were this past Visit Your URL year, largely due to preventable security gaps. Have yourself prepared and you're likely to be on the safe side.