while i'm on the dumb computer ?s what is the sense of backing it up...if it fails what good would the back up do..that plus the shortage of space is what makes me always use disks to backup photos to. i don't really back up anything else since, well if i loose my best scrabble totals, big deal

i do do restore points
If the main HDD fails you will lose everything on that drive including your restore points and any installed or downloaded programs on that drive along with documents and email address favorites etc.
Here read this
http://technet.microsoft.com/en-us/magazine/cc137798.aspx
Complete PC Restore
Now imagine that one sunny afternoon, I decide to use my laptop while sitting by the pool. I slip on some wet tiles and my laptop dives into the pool. It's beyond repair and I have no choice but to buy a new one. Since I used the Complete PC Backup tool, I can restore my system to the new laptop—I don't have to spend a lot of time manually reinstalling each application and reconfiguring them with my personal settings. Performing a Complete PC Restore is straightforward. At startup, I use the Windows Vista installation disk to boot into the Windows Recovery Environment. Here, I am prompted to attach the device that contains the system image. I choose the appropriate image, and then the restore process begins.
After the restore is finished, I perform a file restore from my latest file backup. This is because I do file backups more frequently so the data contained in my file backup is more current. Since the computer is reverted to a time prior to the chosen file backup, it does not contain a record of this backup in the catalog. Therefore, I select Advanced restore | Restore files from a backup made on a different computer | Restore everything from this backup. I also start a new full backup to protect my newly restored data.
Windows Recovery Environment is often installed by the OEM on the hard drive as a hidden partition. This can be used for restoring a Complete PC Backup image to the same hardware. But if you need to restore an image created from one computer to another, you need to run Windows Recovery Environment from external media, such as your Windows installation disk.
There are some caveats worth considering. Complete PC Restore works simply when restoring to the same hardware the backup was taken from. (Provided, of course, that hardware failure wasn't part of your problem.)
Since Complete PC Backup includes an image of the entire computer, some restrictions apply when restoring to different hardware. First, the backup image contains drivers that are used to boot to the machine after the restore completes. In rare cases, the drivers needed to boot on the new machine might not be present. This might happen when restoring an image backup taken on one type of disk controller (IDE, SATA, or SCSI) to another type of disk controller. Even in this case, there is still a good chance you can complete the restore successfully, because the common Windows drivers included in the image backup would likely be compatible.
Second, the restore can only be performed if the new computer has at least the same number of hard drives and each hard drive is at least as big as the original it replaced. Keep these restrictions in mind if you intend to use Complete PC Backup for migrating to new hardware.
Since backup and restore are performed at the block level for entire volumes, Complete PC Restore requires a volume to be either fully restored or skipped. Therefore, you might want to create multiple volumes for backup (for instance, partitioning the system files from the data files). Then when restoring, you can choose whether to restore only the system volume (identified as critical) or all volumes.