Yes but there is still a problem with that. If you have a hardware failure!
What state the OS is in does not matter if the drive the data is on fails.
I am an IT guy to and I see it alot People put to much faith in a single piece of hardware.
If you Go with a RAID configuration atleast if a drive fails you probably can save your data.... Unless your like the Dumb guy that called us a couple weeks ago.
RAID5 3 hard drives No hot swap spare. Calls because his server crashed. Never checked it, no proactive maintnence, he even stopped checking the backups.
Got there to find that 2 of the 3 drives had failed. Well there goes the purpose of having RAID5
Logs show 1st drive failed 4 months before the 2nd one went He never noticed the Error lights on the HotSwap Drives. On top of that The backups were all over written with corrupt data!
Guess what He was screwed. The sad thing was he was the company IT guy and he actually got fired for his neglegence!
So if you really care about your data use some kind of Fault tolerace config and regular backups to a seperate device or media. Also a little proactive goes along way. I would rather provent it from happening than try to recover after it already has.