I just wanted to add about backer boards, it's important that they are flat to the back of the work piece. A warped or un-flat board will leave a gap between the work piece and the backer, that gap will allow for tear out as the bit passes through the gap. For the same reasons, you can't drill a smaller hole into a larger hole that has been made in the backer. Anytime the bit leaves the hole being drilled tear out will occur. I use a couple pieces of good, flat 3/4" plywood glued together as backer and replace it once there is no more room for new holes.
Dan that's a great chart.