It is a really good idea to have some good data recovery software and it is amazing how many people do not have it. An inexperienced computer user can be forgiven for not having the software because they may not even realise that it exists or that it is possible to do. However, someone that is more experienced should really have different methods to help protect themselves against hardware problems. Many of us get to blaise about these things and think that it will not be a problem for us but then when we do get problems we really wish that we had spent a little more time, money and effort doing something about it in the first place.
Perhaps it is laziness, maybe a lack of funds or most probably a lack of time are the things which prevent us doing it and really all of those problems should be addresses and the problems solved. PC hardware diagnostics can be a really good help as will backing up your data regularly. These things seem simple enough and they need to be done perhaps more regularly than you might think to give you the maximum protection from problems.