Well as you can get into BIOS you have the ability to save your data by just inserting a Linux Live CD and loading from there then dumping your files to a USB device which can be a HDD in a USB caddy or if you don't have a lot of stored data maybe even something as simple as a USB Flash Stick.
What you now need to understand is that computers are not common household products that are reliable particularly Windows based computers they are inherently unreliable and you MUST backup your CRITICAL data regularly. Sure you can get it recovered if it's absolutely necessary but wrecking a perfectly good HDD and spending up-wards of 3 K isn't worth the expense when you could have saved your data for a few hundred $ and still have the ability to continue doing it after a reload is required.
If you can not get into Safe Mode you'll have to bite the bullet and remove the HDD place it in a computer that can take more than 1 HDD or even into another NB and use a USB Caddy for your drive and then attempt to see if there is anything readable left on the drive. If there is you can take ownership of the files and copy them by following the following MS KB article
http://support.microsoft.com/default.aspx?scid=kb;en-us;308421
But if the dive appears blank and you have really important data on it that must be recovered the best thing would be to send it off to a specialized Data Recovery Company and pay the price. While it might be an expensive lesson it will be one well learned and you will not make the same mistake again you'll backup everything religiously to save the unnecessary expense.
Col