A second hard drive could make for a good addition. Last night I spent about two hours backing up the internal drive in my notebook to an identical drive in a USB enclosure. If I lose my notebook drive, I just toss in the backup and buy another backup drive. If I lose the notebook, then maybe I find one on Ebay and pop the disk in.
I have a backup of my external notebook drive as well to a 7200 RPM 3.5 drive in an external enclosure. I lost a partition with Win64 on it last year and was able to recover reasonably well with a recent backup.
The extra 100 GB notebook drive and enclosure is somewhat of an expensive solution but I can't afford to lose the data on my notebook. I suspect that most people really have critical data on their systems but I'd guess that the number of people that regularly backup their hard drives is under 10%.