John's point about insurance is interesting. I recently gave this some thought because I was paying "an arm and a leg" for contents insurance which would replace everything I own "as new". An alternative policy excluding recorded music was much cheaper and I realised that my CD collection essentially cannot be replaced. I decided therefore to take the risk and, if my collection disappears overnight, I'll just have to start again.
[By way of an aside, I read somewhere an anecdote about someone who was burgled and the thief selectively took some recordings and not others, apparently showing rather good critical acumen!]
Returning to insurance, I wasn't sure if John's comment was suggesting that there is no need of or facility to insure a collection of downloads? This raises some interesting potential issues. Even though you might have a back-up somewhere, unless it is "off site", it too might disappear in a fire or theft. In principle, I don't see why insurers shouldn't be prepared to cover (say) hundreds of pounds worth of music sitting on a hard drive and, if they don't do so already, I suspect that they will in the future (if you want to do so).
Whether or not you can leave your download collection to somebody in your will (and who might want it!) is perhaps another issue that might need to be grappled with sometime ...
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