A recent post in palmAddicts.com inspire me to write my backup strategy which I'm sure some will find a little extreme but it works for me:
1. I Hotsync at least 2 times a day.
2. I use Backbuddy for Windows from BlueNomad, awesome backup software! it really makes a complete backup.
3. I use Backupbuddy not only to make a backup of the main RAM but also I make a backup of my SD card.
4. I use cardbackup in my T3 and I schedule a daily backup to my sd card at midnight, plus I keep each day backup individually so if I need to recover a file from 2 days ago I can do it.
I hope that this can help you to always recover from disaster.