So then I assume the only reason to avoid OEM is if I was purchasing the drive from a computer manufacturer, in which case it would probable have their third party firmware? (whereas someone like newegg is still gauranteed to have seagate's original firmware?)
I don't know. Call me paranoid, but there is still something about OEM that scares me. I may be stubborn, but when your putting your entire life, profession, and passion onto a little disk that spins at 7200 rpm, I can't help but be a little cautious
Seagate told me Newegg sell hundreds per week and the likelihood of getting the older goofed-up firmware at this point is pretty small. In any case, if you have access to a pc, you can upgrade the firmware easily - it's available as an update from Seagate on line (Seagate says no way to do it on a Mac). Or if you buy from Newegg, you've got a 30 day return policy.
I've been buying OEM Seagate drives for years and never, ever had a problem. "Pull outs" like you are worrying about are rare and easily avoided if you stick to the large retailers like Newegg. As for putting your entire life in a little disk, that's what backups are for. While I have never had a drive fail, it can happen no matter what the source or brand. Just be sure to get another little disk to back up your entire life. Even if the disk never fails, software usually will (believe me, I've been there) and having the back up drive allows you to breathe easy. Superduper has been my good friend (hope they get the Leopard version going real soon) - I prefer it's user interface to CCC and has never let me down however either works fine and is easy. Not to mention there's time Machine now as well.