Have you ever lost your files? I can tell you from experience that it is a gut sickening experience. All it takes is a sudden hard drive failure to lose everything, even with a new computer. I had a top of the line HP business desktop that suffered a hard drive failure only 1 month after purchase. Luckily I had already learned to create backups.
A great majority of us tend to procrastinate this backup process. It is not an issue of "IF my computer hard drive crashes", but "WHEN it crashes". Storage devices wear out or quickly go "bad". They should probably be replaced fairly often, or at least every few years.