I've set up a "Briefcase" with my files (it'll synchronize them for me) both on the HD and my 4gb flash drive. I just do an "update all" operation periodically, and anytime I've done something significant to either set, and I'm good to go. I figure the likelihood of
both sets going out is small enough to live with, and anything external that took them both out, would most likely get any CD/DVD backups as well.