<< Modern HDDs are pretty reliable (the quality ones i.e. Maxtor, IBM, Seagate), you may want to check out the MTBF (Mean Time Before Failure) charts on the manufacturers websites for the HDDs your looking at. Also check out their RMA policy. One other thing to consider, if your overclocking with high FSB speeds, the HDDs expected MTBF wil most likely decrease. >>
I would remove IBM from that list, just a quick search on here for 75GXP will give you a good idea of their reliability. Never had a Maxtor die however, and only one Seagate. Can't comment on Maxtor's policy, but I know that Seagate will send a replacement drive in <2 weeks without data recovery, within your 3-year warranty period.