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I have one hard drive used for long-term storage of videos/music/etc, and then another hard drive for the applications and operating system. That way if I have to format, I dont loose anything that I want to keep. If I do save stuff to the OS drive, then I always put it in the "My Documents" folder, and then back that up if (when) I format. I also burn very important things to a cdrw once in awhile just in case.
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