decision to use or not use an rman catalog?

We have 1 development box, 1 test database, and one production database all about 10 GBs each. I am the sole Oracle person on the team. My background is more on the developer side than DBA side.

I was considering using RMAN without a recovery catalog to handle backups. Is there much risk in this? Other than multiplexing control files and backing them up what other precautions should I take? We don't have a tape or offsite backup system in place yet either. Hoping to get one soon.

I want to keep this rather simple.

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