I think that one of the best things I have done in the recent past is to get a second HD installed together with Nortons Ghost. My PC suddenly crashed last night, funny clicking noises from "C" drive, I ended up in the situation where I could not even get to Safe Mode. I had been doing quite a lot of online work, so thought I had picked something up despite ZA, Ad-aware, Spyware Blaster and Spybot (is that enough?) .
However, as luck would have it, I had backed up only two days ago, so within 15 minutes I had used Ghost and was back up working, nothing lost and no frustration...just a reminder to keep up to date with backups.