Your hard drive will fail. Guaranteed! Every single hard drive in service as you read this will fail. It's a 100% chance. We simply don't know when it will fail. The reason for this perfect score in the failure category is the mechanical nature of the beast. While some will last longer than others, sooner or later a mechanical breakdown will occur. But data loss is not confined to mechanical failure or the storage device. Many data loss incidents are due to an electronic failure of the components in the controller of the drive which can be caused by power surges, static electricity, lightning, etc.
Competition Squashed: A drive arrived in our shop for data recovery, complete with a bid sheet from a competitor who acutally quoted a recovery price without even looking at the drive -- proof that the competitor "skims" the market for customers who will agree to pay an outrageous price for the service. The NT drive with NTFS file system was recovered within 72 hours at one-third the price quoted by the competition.