If it's worth saying, but not worth its own post, then it goes here.
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Data-recovery insurance is called "a backup".
There is not much need for me to have copies of information off the 'net. The exceptions are music/movies/books which I don't bother to backup (I just want to have them locally and know where to find them if my local storage dies) and a variety of interesting to me titbits which fit into Evernote quite well. I don't see any point in having a local copy of the Wikipedia and/or Project Gutenberg.