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I use a combination:
Nightly online backup using
http://mozy.com/ . This backs up documents, browser profile etc. 2GB is free and I don't backup any huge folders with this.
SuperDuper clone every so often so that I can boot straight off it in the event of a hard disk failure. I can use that until I get a new hard disk.
DVD-R's with my music on which I keep elsewhere.
i use toast 8 and love it.
actually it's called deja vu in toast that does a great job of backing up (timed or manual) ...