bAn excellent point, Barbara. There's the oft-forgotten "fire" option as well. Since I no longer have a day job, I take one of my portable hard drives to a safe-deposit box at a local bank, and switch with the other portable hard drive once every couple months. Another option is simply to put a duplicate drive in your car......unless you park your car in a garage attached to your (not fire-proff) house.External hard drives are so cheap today, it's senseless not to have a duplicate in a safe place.
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