Today I saw one more "my files were lost" topic(on SHS, I think), shuddered, and decided to nag a little (more). A day spent (writing, modding, coding, editing) is precious. A day's work lost - well, for me it's a synonym for "nightmare".
So. I don't know about you, but I do the following:
Every day, around 6pm, I save my files, close them, mark them with the current date and archive them, aka IWDNPC16012008.zip, or Dragons28072008.rar. Then I open yandex.ru(or gmail.com), and send a letter to myself. Once in a while I forget to actually attach the file, but usually it works. (I could send a letter from yandex.ru to gmail.com, but that would be too inventive). I'm lucky because I can keep backups on my home computer _and_ on my work computer, but just in case, I also leave copies on my flash drive from time to time.
It doesn't take more than two minutes a day, and it works. Your hard drive may collapse any day. Today. Now.
Your mod, book, or software project is way more valuable than two minutes a day. Even if your name is ***.