Funny. When I read the post it sounded just like a client I worked on last month! She thought, since she had on-line backup, that she'd be ok if the hard drive crashed. That's when I had to explain between data, applications, registry ... her eyes crossed!
So it sounds like Nazartp is taken care of. For those of you casually reading this post:
data backup is just that. You create data when you download pictures or music, create a document or spreadsheet, write email or text, or use a whole range of applications too numerous to list. If you only want to save what YOU produced, you only need to backup data.
BUT, if you can not get back your applications, operating system, current setup - all the things that came with your machine or you purchased and installed on your machine and you want to be able to get back to where you were RIGHT THIS MOMENT - you need to clone (ghost).
Having said that, there are people more knowledgeable than I that can explain about hardware IDs (and other things) that may prevent you from installing a clone. Or installing data depending on your filesystem. Meaning, if you have to buy a whole new machine, neither backup is guaranteed. There are ways, but that's for another topic.
Thanks Kimsland (again!) for your list.