Since I used Norton Systemworks Premiere, I have not only NAV, but Ghost. I usually clone my boot drive and set it aside. My programs are installed with boot too. Another thing is that I save all my large files to separate hdds. Should my main drive needs changing/reformat or for whatever reason needs replacing. I have a standby clone. The procedure continues. It takes 15 minutes to swap and back to normal.
HDDs are inexpensive at the moment and data protection is inexpensive now. For those who can't afford to recover data later, do the smart thing and start transfering their important files to backups/slaves or other means of storage. We keep hearing the horror stories of lost files. When will we ever learn......