Every personally important file I have lives in Dropbox (I'd be fucked if this went bad; most recently, Missouri tried to get $30K in bogus taxes from me that I was able to fend off with a copy of my 2004 tax return). My music is synced with SugarSnyc (irritating but not critical to replace since I only buy physical media).

I honestly don't get why everyone doesn't do something similar. And if you're truly paranoid, there's Tarsnap.