Oh, yes, my last desktop and laptop both died, either of age or some virus (I download a lot of anime and Asian drama, so probably something infected there). Of course, the laptop never worked right to begin with - had to send it TWICE to have the harddrive replaced due to errors and crashing. XP
Luckily, I have a wonderful little 320GB portable harddrive I've got EVERYTHING backed up on - stories, pictures, the entire expanse of my iTunes library, ect - and I'm anal about constantly running virus scans and stuff on it to make sure IT doesn't get infected with anything, too. I probably should unplug it from the computer when I'm not using it, but then I do and go and try to find something off it, and have to plug it in again anyway. lol
I did lose a bunch of pictures of my vacation to New York city, and a couple of old stories when my desktop crashed.
The pictures couldn't be saved, but luckily the stories are posted on various sites on the net, so they could be salvaged, at least.