I thought I would just throw this out for food for thought. As a lot of us have mentioned quite often, you need to have backup of your important files, pictures, music what ever is important to you. You just never know when something is going to happen to your computer and/or the hard drive.
So what I thought I would mention is choose carefully what method you are going to backup your files. The reason I say this is that most backup programs use an algorithm to encrypt and compress the files to be backed up. So that means you need to use the same program when you go to restore.
If you are going to reinstall the same OS, say Win 7 back on your pc and you used Win7's backup no problem you it should restore fine. But if you are going to change your OS then the backup program you used may not work on that OS.
An example would be you are using Windows and your computer dies, the mother board fails. You look around and a Mac catches your eye, reliable, no viruses to contend with, etc. So you buy a Mac and you get it home and go to put your files on it only to find out that the backup program you used is only for Windows and they don't make a Mac version. You are now up the provable creek.
I personally prefer backup programs that simply copy the files from one drive to another when scheduled, or a simple copy and paste. Some of these Web based backups will work with multiple OS's.
Another caution is if you use Win 7's native backup and you need to move that backup from one PC to another you may not be able to do it because when Win 7 takes a back up it takes an image of the full OS and then M$'s pirate prevention software kicks in.
Also check your backup every once in a while and make sure your backup media is still functioning and that you have good backups. I learned this the hard way even after years of working in IT.