I have been taking digital since the 1.2mp Fuji was marketed.
Until 2 years ago, I had about 10 gb of pictures. These were back-up on CDR, (about 18 -20 of them) once every 3 months. After my trip to France then, I downloaded my pics and were happily touching up and arranging them before backing up on CDR. Just when you least expected my harddisk crashed. I spent $450 for data recoverery service, could not recover any pic and was told pics file unlike document are difficult to recover. So? lost pics of my trip and $450
Now I have 4 harddisk (3 x 120Gb and 1 x 60Gb), one to hold my pics, one for backup, another for backup of backup and one for applications and digital workflow. I just change 2 hard disk last month when I heard the dreadful clicking sound.
You can say I am Kiasu but learnt my lesson the hard way.