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My sympathies. I lost a lot of valuable work stuff (including a lot of paid for content) some years back on a harddrive crash. Since then my rule has been weekly backups (I use the grandfather/father/son method, and backup overnight so I don't waste work time).
As to your loss of personal photos: I always download to two drives before deleting from the camera or 'phone. I'd never risk personal photos by having only one copy!
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