'Funeral,' 'ticking time bomb,' overexaggerate much? For general HTPC purposes backup/restore is a nice feature but not a necessity. Other than laptops and lightweight HTPC's most PC's that have a lot of heavy duty programs on them that are a pain to restore, likely have 2 or more hard drives in them and if they don't then they really should. Which makes backing up your OS easy.
And how often do you guys have your OS crash? I just had mine crash on me today but that's because I was installing a graphics card, and because I'm using old HDMI cables for the time being I lost signal and mistakenly did a hard restart when the driver was installing. During normal everyday operations I haven't had a computer crash on me in 4 or 5 years.