Well actually in all seriousness, Christmas time and just after is when most people get online, take more photo's than ever, start piling their footage from video camera's onto their pc's and download music from itunes or elsewhere to shiny new mp3 players. It shall serve as a timely reminder to all that you should, backup all your data..... reguarly, and preferably to an external or seperate hard drive. Or you could find yourself contacting a similar company to the one featured in this article from the BBC click here
I personally use Acronis, haven't had a hard disk die on me yet but used it many times, if for example a perplexing problem leaves me scratching my head and I can't be bothered, in goes the recovery startup disk and voila! 30 mins later and I'm back to normality.