I will probably annoy you with this answer, but it sounds like you are looking for the "Magic Pill" that will cover you in any emergency situation. Bad news, it doesn't exist.
Network Associates, Computer Associates, and Veritas all make good products for disaster preparation and recovery. If you link to their web site, each one will have KB information that will, of course, indicate that they are the best. I believe that Veritas makes a solution that does not require reinstallation of NT to restore a system. The limiting factor is "How deep are your pockets?. Microsoft does not write White papers or support KB on third-party software/solutions.
Two of the disasters that you mentioned in your question can be covered with a good UPS system and properly configured software for unattended shutdown. Disk systems should be fault-tolerant (a HARDWARE implementation of RAID-5 can protect the system/boot partition), and you should consider off-site storage for tape media. If you prepare for everything and California falls into the Pacific, nobody will blame you.