Thanks for the thoughts and suggestions.
Actually, I do have a WD 500 gig HD and, when using Lightroom, automatically back up my photo files to the HD. But it's always been my experience (after 27 years of personal computers) that hard drives are like motorcycle riders (which I also spent many years doing)--there are three kinds: those that have crashed, those that are currently crashing, and those that will crash sometime in the future.
So it's always been my policy to make two additional backup copies on "portable" magnetic media, although of course not infrequently I find one of them has failed and I need to replace it from the other or my HD.