I use photobucket for all my important pictures, and have them send me a backup set of discs about every month or so. I just started doing it and it's going to be nice to have them. Welcome to the world of digital data storage. I think the humans are becoming to dependent on it, because while it's convenient to store data digitally, it's also easy to get rid of data digitally lol.
I know you already realize this, but I always store things more important than other things (like the birth of your daughter, pics of the kids, pics of your RC collection lol) on a hard drive that I only use for that, as someone else said, because so much can go wrong on the hard drive that you use everyday that isn't in your control, this just didn't happen to be one of them.
On a side note, you can always take more pics of the kids, you didn't lose your VRC setup files did you?!?!