Hetman is here to help
While there are far worse things that could happen, the idea of my hard disk failing gives me a cold sweat.
It happened to me once before, and while at nineteen there was little of import on the disk, I did lose nearly 50 hours of progress on Final Fantasy 8 (which is more devastating than you may realize).
Today a hard drive failure would see me losing vital data (even with my fairly rigorous back-up regime). Because of this, I am thankful that a program like Hetman Partition Recovery exists.