This shot cost me $1400 to make. Ouch.
It was taken on the last afternoon of a week long Resort shoot in Cancun. I had checked out of the Resort and all of my gear was packed and in the trunk of the car. My flight was in two hours.
I had a rather large, 16 gig card in the camera and my laptop and extra portable hard drive were already both full and in the car. The laptop and extra drive carried redundant copies of the week's shoot, 150 gigs in all.
When I got back home, I copied all of the shots from the 16 gig card to the folder I had created on my Desktop, together with the Laptop files and went to bed exhausted. The following morning, I booted up the Desktop and discovered that the hard drive had crashed. A real nuisance, but I still had everything on my Laptop and extra hard drive, right? Not so, for my last few hours of shooting on the 16 gig card. After I had verified the copy to my Desktop, I had formatted the card!
Enter the computer nerds and their Clean Room as they dismantled my drive and slowly brought the data back to life. Three days and $1400 later, I had my 16 gigs back. Then I upgraded the drive in my Laptop to 500 gig and bought an additional 350 gig external drive for a backup, so I'll never run out of storage again while on location.
Never, ever assume that your hard drive isn't going to crash right now.