So last night I was restructuring my hosting infrastructure (read: moving folders around) and managed to delete the folder that hosts most of my sites. I got that nasty sinking feeling in the pit of my stomach. I was able to get things back up, but my hosting provider, which is normally pretty responsive and helpful, took FOREVER to respond to my restore request.
Immediately after that I set up a scheduled job on my home machine to pull down a rar of the site each night. It's hard to get good help these days.