Congratiolations Foe you must be falling in the 5% category
then ofcourse your arguments of "losing" work is not valid.
Ultraedit makes safety copies every x amount of time.. and
developing on your servers only really works if you have
a: The servers in your LAN
b: fast ass connection
Then of course there is always the option to work on a win
workstation accesing the files on your server through samba
so that you can work with an extremely friendly editor like
UltraEdit directly on your servers....and have the same benefits,
speed, and direct progress as you describe above
DynaMite