A disk health utility I got says "Caution." My reallocated sectors are at 85, and pending sectors 89, all other stats are within the default threshold. I've dealt with a failing HDD before, and it sucked. I was probably lucky to be able to recover most of my data fairly easily. I don't have much money since I'm 16 and don't yet have a job, so I'm not sure where the line is between risk and cost, which I'm hoping to find out here.