Re hard drive size reported, see Hard Drive Size Differential - http://wdc.custhelp.com/cgi-bin/wdc.cfg/ph...php?p_faqid=615
The stated capacity for any hard drive...has never been useable capacity in Windows as long as I've had a system (1996) and (undoubtedly) before then.
If you look at the link I provided, you can determine such things as the ease of use.
There is inherent risk in everything in life...those trying to not comprehend such...are doomed to frustration.
A computer is an electronic tool...since power surges, etc. can happen anytime, one can never eliminate the risk of inoperability of such a tool. And that does not even consider possible disruptions caused by malware, files being damaged, etc.
That's why backing up the system...has long been a basic tenet shouted to users from Win 95 days, in my experience.