Not immunity, but if I suffer from a failure, at least I won't suffer from the additional loss of $$.
I very much hope that I am overly paranoid. In fact, if a drive fails, the time I'd need for reinstallation and setting up two operating systems on a dual-boot laptop anew with all the applications and licensing issues on a new drive is several full working days: my backups are just backups of data, not one-to-one copies of drives (which are impossible to do on a running system anyway), and they are performed manually. So, reliability is very worth to be strived for; ideally, I need 10 years.
Done properly, recovering from a rational backup routine need take no more than an hour or two.
Seriously. I've done it personally.
Full drive backups, not just selected data.
I use Macrium Reflect in my daily operation.
Recovering a 1TB drive that is 2/3 full takes a little under 2 hours, across a standard gigabit LAN.
Yes, I've done this, recovering from the failed 960GB Sandisk drive noted earlier.
Macrium will do Full and Incremental images from a currently running drive.
That is the basis for my whole backup scenario.
No need to reinstall and do all those applications and settings again.
Full drive backups.
What is your backup situation at home? And if you don't do that, why not? Every single day, I read multiple threads here of "How do I get my stuff back?" or "That drive had 5 years of photos of my kids!!" Be it a dead drive, dropped phone, virus, accidental deletion, formatting the wrong...
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