If your hard drive is of the "voice coil" design, you're safe from
unexpected power-offs. Once power is removed, "the actuator coil
springs the heads into a landing zone and lock position" [1]; this can
be described as "auto park" [2]. Hard drives driven by a stepper
motor are, unfortunately, not subject to such benefits; however,
they're also apparently not in heavy use these days.
If you'd like to provide the model number of your hard drive(s), I'd
be happy to research their specific designs.
Now, if you're not fortunate enough to have a voice coil hard drive,
your motherboard may be of the sort where, "with the reset button,
only the computer's motherboard has to reset" -- the part that's
locked up with Windows. As it doesn't reset the power to your hard
drive, no damage occurs. It seems to be the common practice for AT
and ATX motherboards [4], and yours is likely these days to support
this.
The Reset button is a viable alternative to voice coil hard drives, in
case yours are of the stepper motor variety.
I suggest the Reset button over the Power button, when it's an
available option; it's easier on the power supply and various
components to have their power retained. Once in a while, it may need
a powering off; generally, though, Windows responds well to the Reset
button.
If your drives aren't of the auto-parking variety (or even if they
are), most of today's uninterruptible power supplies can shut your
computer down when there's an extended power outage -- look for
Windows XP compatibility (USB or Serial Port). It'll help for when
you're away and power goes out. APC sells several that work with XP
[5].
The worst case scenario. You don't have a motherboard with a reset
switch, your hard drives don't auto park. There is a solution!
Purchase an ATX power supply, run the power cord to the wall, and use
the power connectors for hard drives that don't auto park. There'll
be two power supplies manage, now, with two A/C connectors -- but your
hard drives will stay on even when you have to reset your computer.
Add a UPS, and you have a virtually unstoppable hard drive.
[1] http://www.pcmech.com/show/internal/65/2/ (page 2)
[2] http://www.anandtech.com/guides/viewfaq.html?i=57
[3] http://216.239.53.100/search?q=cache:crbIiVBJj9gC:www.kclug.org/old_archives/linux-activists/1992/apr/3/0371.shtml+%22stepper+motor+hard+drives%22&hl=en&ie=UTF-8
[4] http://216.239.37.100/search?q=cache:7aqEu45O0qMC:www.thesandiegochannel.com/sh/technology/thehelpmenu/thehelpmenu-88726620010724-160706.html+atx+motherboard+%22reset+button%22+how+it+works&hl=en&ie=UTF-8
[5] http://www.apc.com/windowsxp/ |