I agree with all that, but with four computers running in the house (I work from home, there are four kids living here, and the computer that crashed is the one the missus uses) putting UPS and so on on all that would be a real pain. Backups are hard enough, and would keep me employed full time.
Although the problems I have been having getting some recovery might make me think again!
We get a lot of power problems here (Alaska), and at the moment there is a thick layer of glazed ice around the front yard and the driveway, getting out is tough, even with studs and chains (both!) so communications are important, especially for work. Maybe I should shift to Linux instead.