The solution to this kind of problems is: Make Read-only "disaster recovery" backups - zip it and burn it to a DVD set or Bluray, and put it off-site. Make incrementals or differentials of those discs every few months and a full data set each 3 months.

Takes a few hours, I like to burn all my data to Bluray (50GB per disk) while watching a movie.

Store the bluray data sets at a friend's house and never worry again.