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A data recovery service can retrieve your data. Its expensive but most people who think their hard drive is a goner are surprised by the results.
I had a hard drive that I thought was kaput and I bought some recovery software and ended up only losing under 5% of the data on the drive and fully recovered the rest.
I keep 2 external hard drives for backup and a backup of the backup. I also keep printed out copies of important contracts and files like that in multiple locations at home and at the office.
I keep my e-mail files backed up, besides on the 2 external hard drives on another internal hard drive at a pc at home and another at the office so I have 4 backups for my e-mails now on drives and then one goes on a CD-R for a 5th backup thats in a fireproof safe.
I used to be more lax like you, but all it takes it one event and you realize how important it is to become a paranoid backuper of everything important.
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