Hello, I will be purchasing the new 27" iMac (my first desktop) with 1TB Fusion drive and I have a few questions. I have read (in the past) that the hard drives in iMacs fail quite "often". Does anyone know how high that rate is? Since I do photography and plan on keeping my files on my iMac, how wise is it to back everything up on an external drive? I am also getting AppleCare which should protect me in case my Fusion drive fails, right? And, also, when a hard drive fails, in how many cases do you lose all your files and aren't able to retreive them? Thanks guys.