It's worth pointing out that hard disk crashes are not that rare. Our group at work has had 4 or 5 over the last year or two. I've seen a few at other companies too. And I had a hard disk that required re-formatting once the IT department got hold of it. (A major cause of PC problems for me has been the IT department at work. If they can unplug something, or damage it, they will.)
Also, even if you use a backup system, a fireproof safe is essential if your data is valuable. Every company I have worked for has a policy of doing a daily backup, storing a copy (of the tape) in the fireproof safe, and storing a copy off-site.
Leif
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