The one thing that I don't see mentioned in your list is a a hard drive imaging application, if all else fails you have to have a fall back and system restore simply isn't up to the task.
Yesterday whilst doing a little testing I trashed my system, wouldn't reboot missing hal.dll and no doubt lots of other stuff but without hal.dll you can't get in. I broke out my Drive Imaging application Boot CD and fired it up, 30 minutes later I'm sitting working at my system again. I do a weekly image back-up of my primary hard disk partitions (and the last one being 3 days before) and I do daily (of more frequently) back-ups of volatile files, like emails, bookmarks, documents, etc.
To cut a long story short my loss was negligible and 30 minutes of time. I bought this software many years ago, it still works great on my XP Pro system and has more than paid for itself over the years.
If you don't have a back-up and recovery strategy, you could be in a world of hurt.