If you are worried about loss of data I strongly recommend you buy a decent sized USB flash drive. They are dirt cheap now. Just dump your important stuff on there any time you feel queasy.
As to data loss on the PC itself I strongly recommend you store your data in the following manner:
- Desktop
- My Documents
- Edgar (or whatever you called yourself)
- Any number of subdirectories identifying the type of content such as Health, Resumes, Finances etc
- Also I strongly recommend you buy the data backup program (on line) called Acronis True Image Home and run it religiously.
- Also I strongly recommend you buy a USB external hard drive to complement Acronis True Image Home.
Here is the store I buy my stuff from, you'll get a good idea about what's hot and what's not and what to pay even though it defaults to being denominated in Canadian dollars, both currencies are rather equal these days.
http://www.ncix.com/