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Are you running any sort of RAID or have backups?
A hard drive failure can indeed put you down for a long time (many hours) if you have not purchased at least RAID1.
Even with RAID sometimes the array can get screwed up after a drive failure.
Having the knowledgeable techs to be able to get your machine back online though is what really matters. A lot of people just wouldn't be able to salvage a hard drive in bad condition and your data would be gone.
If you are not running RAID -AND- have backups off-server then take this as your wake up call to get them added.
Remember, its not RAID -or- Backups. Its RAID -AND- backups! You need BOTH, they are not the same.
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