Oh definitely I highly agree that EVERYONE should back up their files. I've heard from families who lost all their photos since they were all digital! Can you imagine losing all your photos??
External drives are great, but those can fail too. I definitely recommend having a local external drive for easy-to-get-to backups, but also once a month store stuff off onto DVD. That way it's non-crashable.
I even recommend every year or so moving a set of DVDs somewhere else. Anywhere else. A friend's house. A relative's house. That way if your house burns down, you have at least some backup of data somewhere.
The key though is not to worry about giant problems if you haven't even backed up yet. Just start small. Start today with just your most important files. If your hard drive went down today, what would you miss the most? Just drag and drop those onto a DVD. Even that much is better than nothing!
Then we can help automate it