about a year ago I finally got serious about backups--it's easier nowadays than ever before, since you can pick up an external "mirror" HDD for $100 or so.
my music drive "died" about4 months ago, and rather than stare into the face of unfathomable existential depression, I just dragged-and-dropped the previous night's backup onto the new drive. Voila!
HDD crashes SUCCCCCCCCCCCCCCK, though. even if you haven't lost anything "critical," my condolences.