Thanks to everyone that answered, for all the replies to my questions about XFS.
I've taken note of the points raised, and gone with ext3 for now (again).
I do have a backup strategy in place, and you can use my PHP script from here, if you like it:
http://forums.fedoraforum.org/showthread.php?t=248436
Having made regular backups to the hard drive, I then as I feel is appropriate, make CD/DVD backups from the backup drive.
I've lost hard drives and data in the past, so now I take precautions not to loose any data I need.
Kind Regards,
Keith Roberts