My advice, just use removable hard disks. But use more than one (I recently had a friend who lost his entire collection of digital photos due to disk failure).
I keep them on my primary machine at home. I have a 500 GB USB disk that I occasionally bring home from work to update and test, then I take it back to work and lock it in the drawer.
I have another two 1 TB drives at the houses of my brother-in-law and sister-in-law which I also do the same to.
Basically, once a month, I cycle amongst the three backup locations doing an update and test.
I am not going to be the one explaining to my wife that I've lost all the records of the childhood of our two children. That would be a Lorena Bobbitt moment for me, I'd never be able to sleep again.
If one of the drives fails, I just replace it. If USB ever goes the way of the dinosaurs, I'll have plenty of time to upgrade to whatever is replacing it.
You need to protect against it as much as possible. The only cataclysm that would take out both all my locations is going to be annihilation of a sizable portion of the state so photos will be the least of my worries. Having said that, I may end up shipping another hard disk to the other side of the country just in case :-)