Terraria separates identity from environment: player characters live in .plr files and worlds live in .wld files. That makes a complete backup a two-part job. Copy both directories, including .bak companions, before editing or moving systems. Steam can independently move individual characters and worlds to cloud storage, so an apparently missing local file may have a counterpart under Steam userdata. SaveEditor.com keeps those locations distinct instead of presenting one universal Terraria save path.
For this PC reference, the documented storage is Windows: %USERPROFILE%DocumentsMy GamesTerraria
Steam cloud copies may appear under <Steam-folder>userdata<user-id>105600remoteplayers and worlds | macOS: $HOME/Library/Application Support/Terraria/ | Linux / Steam Play: $XDG_DATA_HOME/Terraria/ (normally ~/.local/share/Terraria/). The known file or folder pattern is Players*.plr
Worlds*.wld
*.bak. Characters and worlds are separate files: .plr for players and .wld for worlds. Local .bak companions can provide rollback material. Multiplayer characters and worlds should therefore be backed up as separate sets.
Backup guidance: Back up both Players and Worlds plus their .bak files. If a character and world belong together, keep them in the same dated archive even though they are separate files. Steam Cloud and GOG Galaxy are documented. On Steam, cloud movement is enabled per character/world rather than being assumed for every local file. Launcher and cloud context matters because Steam can keep cloud-designated player/world files under its userdata remote tree. The normal local Terraria directory still separates Players and Worlds.
Compatibility and recovery should stay conservative. A world file and a player file have different structures and cannot replace one another. Cloud status can also differ per file. If the expected progress is not visible, If a character or world is missing, check both the local directory and Steam remote location. Before using a .bak copy, preserve the current .plr/.wld and the backup so the recovery remains reversible. SaveEditor.com only labels a game-specific editor as available when a separate linked Tool has a verified operational runtime; this reference page by itself is not an editor claim.