I use Elements to view, edit etc ... this is one copy that I have on HD.
I immediately burn a DVD or CD when I transfer from card to computer.
I upload a copy to flickr.com - they allow me unlimited d/l (they say), and I believe they will allow me u/l photo when I need them back - I hope. I am SO DEAD if they do not and something happens to my PC + DVD/CD.
I also upload a copy to costco.com - I use them to print, but do not believe they will let me d/l my photos if I need them back in their original format.
Recently, I also bought a Seagate 750gig external USB drive (you can get these for less then $200). It comes with software that allow you to schedule backups.
Yeah. I'm paranoid - have had too many HDs just quit to take chance that I will lose photo.