With the increased number of users out there you'd think backup software would be easy to find for the personal computer. Strangely this isn't the case! Perhaps the mentality and market has shifted to the plethora of USB/network backup devices with their own custom interfaces/interaction?
Found a useful article on ExtremeTech about
Personal Backup Strategies, apparently Windows XP now has fairly sophisticated backup and recovery software built-in. Unfortunately it's never worked on my machine, just locks up as soon as I hit the Backup tab.
Dantz Retrospect Professional also seems like a great program under Windows and PC Magazine had a basic review. It's certainly got everything I want: multiple system support, hard drive+CDR destination (including cross multiple medias), easy scheduling, incrementals, compression + encryption, Windows registry backup, support for open files, recovery disk creation, easy to understand UI, etc.
Another interesting (and FREE) package is the open source BackupPC which provides network backups. Looks like a good solution if you have the time to invest setting this up. Deals with network failures, disconnect laptops, web based interface, no client software necessary, deals with dynamic client IPs.