Over the last week I've been organising the pictures on my free Flickr and Photobucket accounts. It's time-consuming, but worth it. I'm uploading my photos to Flickr, and all other graphics to Photobucket.
Having things stored online is absolutely the best way to ensure you don't lose your personal files (as well as making them highly accessible). Hard Drives go screwy, and disks get scratched or misplaced, but online storage has saved the day for me on a number of occasions, and many a file has been lost because I didn't have them stored online.