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I had to have my hard drive replaced (it hadn't failed, but due to the results of a diagnostic test, Dell said my HD was bad and needed to be replaced). Fortunately, I had time to make sure that I backed everything up before the new HD was put in. However, I had forgotten to backup all the fonts that I had downloaded. So...don't forget your fonts!
I also have multiple external hard drives and back everything up to all of them (although, a couple of them need to be updated). A friend of mine lost all her photos when her external hard drive failed.
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