Not to worry everyone, its never as bad as it seems.
Why, because unless you completely destroy your hard drive, as in physically run over it, run a magnet over it, or drop it in any type of liquid, the information is retrievable. Even if you were to format your drive, because say it crashed, theres a better than not possibility you will be able to recover the data.
Theres a whole slew of recovery software that does work.
Its always good to use a floppy and CD backup. If you have an MP3 or Ipod thats good to. Other than that, you should be okay. No need to be paranoid about it.
Off topic, but anyone have a slow running computer? heres a way of making your puter run alittle faster.
1. CLICK START
2. RUN
3. Type "msconfig"
4. Will bring a box up of all the programs that will run themselves everytime you boot up your computer. Unless you have a firewall, and antivirus uncheck everything.
5. RESTART
6. Box will pop up, uncheck that little box
You should see a considerable difference, especially upon boot up.
Now, everytime you install new software, and some hardware, those driver programs will sometimes load programs to start up without you agreeing to it. So go back whenever you add any new programs to your puter, make sure nothing is checked accept your firewall and antivirus programs.
Doesnt mean you cant use these programs, just means you are telling your computer not to load them everytime you start your computer.
Giving you pearls here.

BEST BUY CHARGES $29 bucks for this
Tell me if it helps
AND, for those that dont have firewall program, which you should have ..do google search for 'zone alarm'. Its free,and its the same as the one they box and sell, accept its only firewall, without the fancy features..ip tracking, stuff that the average user wouldnt need.
Also if you keep getting spyware, Google search for 'Ad Aware'.
Its free, one of the better ones on the market.
these are both freeware, and the most reputable on the market.
Sorry Joe, if I sidetracked the post. Think some novice computer users could use the tip.
Sorry Steph, cant help a computer literally falling apart there. How about crazy glue or some duct tape.