hi,
db backup:
i also use the wp backup plugin. it is very comfortable, because you can automatically dump your database, then you can activate a scheduler to optimize and sent every day your dump to your email inbox.

in your case '99% done' you should try to execute over phpmyadmin mysql commands to check the stability of your database structure.

file backup:
the wp-content is grapped and get gzip commpressed by a php script, wich send you an email to your inbox to download it.

but i would really recommend you to use a small ftp backup program to backup all your wp system and download it to an other server or client.

iam using cobian. it is developed under borland delphi, of course iam a big fan of the developer, and its free!

with this tools you have always your data into your pocket.
ping and peace to all.