Just goes to show just how differently we all see and fix the same problem. The Sven/Ion solution is the most pragmatic, hassle free and time saving - and time honoured - solution.
If you prefer hiring krollontrack, then you must have more money than sense (and I mean that in the nicesst possible way), because you are really making mountains out of molehills.
It also may well be that you are a complete whizz, and can attain 99% reliability, but I have used some top knotch gear that has been borked beyond repair, and my time is expensive, I'd rather not waste it doing menial things like data recovery, when you
can sandbox your data from the OS.
Actually, in percentage towards a whole year, my data reliability rating is about 99.74% right now. Uptime reliability of my workstation is at 90.14% and that's just because backordering a motherboard took a while (almost a month).
I can never have enough storage on the Desktop area (I like having things right at my finger tips). I've been replacing a drive about... every three weeks for the last months. If a drive fails and a RAID array fails with it to the point where software methods
won't do anything anymore, well there's only the choice of hiring the Ontrack guys. I don't have that kinda equipment to read data from a platter of disassembled drives.
I might add, I also don't like loosing my personalized settings.
A single partition is most storage efficient and 1TB drives currently have the best capacity to price ratio.
If I need to reinstall, I just use new drives and copy my stuff from the old ones and then put them in a drawer... as simple as that.