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How often do you reformat your personal computer?

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I surf the web on Linux and run programs not available in Linux in XP in a virtual machine. Ditto on for trying out other Linux distributions in the virtual machine. I periodically back up the data (Linux plus virtual machine data) with a backup tool in Linux. If the HDD goes, I can restore Linux from an image, restore the virtual machine and then restore Linux and all XP program data from the Linux backup. Then reinstall programs as needed.