That was a quick response! LOL
Well, it would appear that you have an issue with Mr Gates's software!
Seriously though, I would sincerely advise you to invest in backup software such as Norton Ghost 2003, which is what I use.
I realize this does not solve your issue, however, using software such as the above is a real life saver, as it makes an exact image of your HDD that you can very quickly and easily load onto your PC, in case of a disaster.
You can pick up some good deals on Ebay: -
http://search.ebay.com/Norton-Ghost-...categoryZ58058
That is all I can advise you to do.
Good luck anyway.