It all depends on how vital it is to have minimal downtime. If you need to be up and running quickly, you should have a fairly current Ghost image of your drive sitting around somewhere. If you just care about your data, Windows backup is just fine.
Personally, since all I care about is my data, I just use Windows Backup, and I back up my documents monthly, because I can always reinstall on my personal system, and not have to worry about downtime affecting anything that I do. Besides, I have spare systems that I can utilize while I'm reinstalling...
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