I guess that's the attitude I have. Anything important I keep backed up regularly on a separate media (usually thumb drives or SD cards). With the amount of memory on these things I can keep all my business records on one chip. Photos, music, etc all get put on cards. Everything else is replaceable.
It paid off when the wife's computer got screwed up. Just went ahead and wiped it clean and reinstalled. Back up and running. Only hassle is reloading all the software, drivers and preferences.