Brad,
What happened to the internal PC HDD that crashed? Are you saying they couldn't recover anything from either the external or internal drives? The odds of that are pretty unlikely. You may want to try another recovery company.
My backup setup is as follows:
- Important non-media data such as documents etc. are stored in my Dropbox folder and synched to dropbox.com, my work machine, my RAID-6 on my server at home and another tower at home.
- All photos are stored on my RAID-6 on my home server, all uploaded to SmugMug as Jpegs, synched across a VPN to my work machine using a nightly backup.
- All camcorder files are stored on my RAID-6 then synched via the VPN to work.
- Last line of defense is that my work machine is backed up to tape nightly
I realize most people don't have the luxury or backing up to their work across a 35Mbit connection 
Depending on how much data we are talking about I definitely recommend some sort of online backup. Not sure what your data requirements are or how fast your upload connection is but there are several decent services with varying price ranges.
In your diagram you mention online backup with remote access to files.
I recommend backing up all full res Jpegs to SmugMug as one line of defense.
Also recommend something like Dropbox.com with the packrat option (for versioning) for important documents etc. Then sync it to more than one machine.
Jungledisk is also a good pay as you go solution that can either perform backups, simply act as a mounted drive on your machine or both.
Dropbox and Jungledisk both use Amazon S3 which is very reliable. You can configure Jungledisk to use a compatible storage format that you could recover from S3 in the event that Jungledisk ever completely went under for some reason and your desktop app stopped working for it as well.
Then you have Carbonite, Mozy, Backblaze, and services like them to backup all your data. They all offer unlimited plans for approximately $50-$60 per year. These particular services all disappointed me in that they couldn't even come close to taking advantage of my 35Mbit pipe hence why I backup to work but they are still good options.
As for local backup I recommend something like a Drobo.
I still have the originals in the other locations, but the post processing, ratings and tagging is lost..

