Also - what do ordinary people do? Do they just lose all of their memories and data and such and "oh well"?
I am using mozy for my important stuff, I can always redownload the music and movies from the online stores again later, so skipping them 
But loosing a drive always suck anyways... Have lost almost 1TB of stuff before. Big drives is just like a keychain, it is a device that allows you to loose all your keys at the same time...