What do I select with the SQL and Sharepoint agents?

Hi there,

I just wanted to find out this question for sure.

If I am backing up a SQL 2008 server using the BE SQL agent do I select just the Databases under the "Microsoft SQL Server Instances" or do I also select the Databses via the folders eg c:\Program Files\Microsoft SQL Server\MSSQL10_50.DEV\MSSQL\DATA

With Sharepoint should it be the same? Just select the "Microsoft Sharepoint Resources" and "Microsoft SQL Server Instances" selections and not the data in the folders?

Also should AOFO be switched off for both SQL and SharePoint backups?

Thanks for your help.