Doesn't look like a stupid question to me, I've nearly asked it here several times.
My solution to this sort of question is 2 non RAID hard drives, one more or less backup to the other. Whenever I make a major hardware change (I do upgrades in batches rather than piecemeal) I make sure all files are on the master drive and format the slave. Then drop in new mobo/vid card/whatever and build system with the blank slave as new master, then slave the old master in so I don't lose my files. I still have to reinstall a decent amount of software, but I keep some continuity. Clean install on master drive, and I still have all my digital pics and docs and resumes etc handy. Of course burning archive CD-Rs would also serve similar purpose.
KF