As you mentioned, it only takes 1 seed of each species you want to save, since you can always grow it and create more seeds by self-pollination. If you want to be very safe, store a few extras in case you forget to check on your game and accidentally cause a few plants to die. It doesn't hurt anything to save more than that, but the VST file will be larger as you start saving more and more seeds.
You can also back up the VST file, in much the same fashion as the savegame files, so that if anything bad does happen, you can restore the VST file from the backup. You can find out more about backing those files up in
Borg's instructions for VST.