I absolutely agree. It doesn't matter if there is a one-in-a-million chance that you will be hit by lightning. If you're that one-in-a-million person that was hit, you're still in a world of pain.
I suppose I will be able to definitively answer this question eventually. I use a Silverstone DS351 case as data storage for my home server. It used to hold 4 Seagate 500GB Barracudas, in mirror+stripe, which I replaced tonight with 4 Seagate 1TB 7200.11 drives (a fifth one is on the way - I used to use a 1TB MyBook as separate backup, but then realized I'm now trying to backup a 2TB server and needed an extra 1TB). So, I'm hopefully armored against both types of failures now.
Hopefully I won't have to post any statistics on drive failures until a few years from now. At least thus far, the Seagate drives have been good to me. *knocks on wood* All in all, though, having also owned a mix of WD's and Maxtors along the way, I've only had one drive crash due to an actual hardware failure (other than the one whose SATA port broke off on installation) - and even that one was well over six years old by that point. Perhaps I've been swapping hardware out too quickly.
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