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I've been extremely fortunate with drives: I've never had a hard drive fail during my actual use of it in one of my personal machines (I obviously have no idea if they are dead NOW, because I no longer use them).
But, I have watched plenty of other people's and customers drives fail... and I'm not an idiot.
So I keep local backups and remote backups of all of my most important files. Local and remote. That is the real key.
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