If the HD fails, you typically lose your data. The only thing you can do at
that point is send it to a data recovery service, which can be very
expensive. So it's really only applicable to CRITICAL circumstances where
you absolutely must have the data, whatever the cost.
For most people, using a RAID setup is both effective and economical means
to protect their data. IOW, you replicate the data in realtime. However,
few external enclosures provide this feature, not unless you go high-end
units.
Data security/integrity issues aside, the problem w/ pre-built external HD
enclosures is, they typically have only a 1 YR warranty. On the other hand,
you can build your own (a trival exercise) by purchasing your own external
enclosure (e.g., Dealsonic.com has tons of them, I have the Argosy HD-360C
myself (fanless design, usb+firewire), among others), then pick up a deal on
a retail Seagate HD (160GB, 200GB, 300GB, whatever you find suits your
needs). Fry's/Outpost has sold the Seagate 300GB for $79-89 after rebate
many times over the past few weeks. Best Buy and Circuit City similarly.
The beauty in this approach is a) it's typically less expensive overall if
you shop for deals, esp. w/ rebates and b) your HD is the most likely to
fail, but you're covered for another 4 yrs compared to the pre-built units.
If the enclosure itself fails, say the AC adapter dies, no big deal, the
enclosures are relatively cheap and will last as long, on average, as those
provided by the pre-built enclosures anyway.
Btw, a bit of additional advice. Some units include firewire. It's WELL
WORTH IT! The firewire interface commonly provides up to 50% better
performance compared to USB. It will only cost you another $10-15, which is
a bargain considering the substantial improvement in performance. Of
course, it requires you have a firewire port, either on the mobo or PCI
card.
http://dealsonic.com/arhdal3usb201.html (my unit, FWIW)
Jim