As I mentioned on the other post, if you pay for these items with your credit card (most gold or platnum) you get double your warranty through the card. Unfortunately, hard drives and mother boards are not made by Dell, just used by them, and since most of those go, if they are going to, within 6 mos (faster if you turn them on and off nightly I've been told), I suggest people get a one year warranty, using their cc which gives them 2 years. Most of the inexpensive Dell's are coming with short warrenty's to keep the price down to the really low cost (although they do offer to let you extend that..but because so many of us want an inexpensive computer we turn it down..I did..and it seems some are paying the price because of that.
Also, it's really important that you do backups of your stuff. A harddrive can go at any time, and most computers come with cd or dvd writers, and it really doesn't take much time to back up files.
In the Northeast, we've had a big year for lightening also, and I know many (of various brands) that have been zapped. So much easier to get back up to speed, if you have your files backed up.
The week that my grands was hit by lightening, my daughters HP was also hit. They have been lucky though, both HP and Dell trouble shooted for no cost. The Dell was bought through the business side, since my husband is retired form GE...I don't know if that made a difference. But it was 6 mos out of it's warranty.