Only a Couple Dollars a Month
If you're worried about keeping your computer as safe as possible, then you're going to have to be sure that you're not forgetting about raid recovery. Of course, if you're going to split your data up amongst multiple hard drives, then you're going to have to have a special backup system in place. If you don't and you undergo a hard drive failure, then you'll risk having all (or most) of your files become corrupted just like that.
Of course, nowadays, it's getting easier and easier for you to keep track of your files. If you don't want to spend too much money on your back-up solution, then you can simply pay for some web hosting and stick all of your files on the internet. That way, if you files become corrupted, you're going to be able to rest assured that you can get them back. It's only a few dollars a month, and it'll save you at the end of the day.