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Graham, as a fellow Mac user... you really should be using a backup - Time Machine works perfectly well and when you consider what a lifetime of photos is worth to you... it's a trivial price to pay for peace of mind.
You will need a Time Capsule or external USB HDD, with capacity rather larger than the drive your MacBook.
Good luck with the repair. From your description it may not be the HDD that has failed. While you are at it... take a look at the current crop running on SSD or fusion drives ... Yosemite is seriously quick. Even if your MBP is a few years old upgrading to an SSD will make it fly like its on steroids.
FWIW my 2010 iMac is a joy to use compared to Windows on anything.
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