I always recommend to have two drives on your stationary computer. One for the operating system and installed programs and one for data and other stuff you want ot save from crashes, viruses and stuff. It's always eaier to have a seond drive already mounted inside for this. The of course, for safety, it's a good precaution to also have a separate external drive to back up things to. But for the normal, everyday use, I much prefer to have the data disk already munted. less cables, less things which crave it's own power, it's always on when the computer is on and so on and on. Less troubles all in all. Spend the extra hundred bucks and get a second disk mounted inside it already now.
There is no compatibility issue for program/data files between Win XP and Win 7.
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The truth is not affected by the beliefs, or doubts, of the majority.
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