I hate HD crashes. Been dealing with them over the years and they always suck. So far, we've had backups for most stuff, but we nearly got caught short recently.
Since I've got a reasonable amount of bandwidth, I'm trialling
Crashplan at the moment with the online cloud backup component as well. Costs a fee per year, but the way it's set up, our files are auto backed up across multiple machines and on the net, and we don't have to remember to actively do backups. It's already saved me when my Windows OS trashed my machine last week and I had to reinstall it.
Only cons are that seeding via upload (instead of the disk seeding service) is going to take us a long time (I think we've got around 1.5TB to do). I don't mind though as it'll get there eventually.