Neither WIN95 nor NT like to have the power abruptly killed. So having graceful, controlled shutdown of the system is a great feature. Warranties cover defective hardware, but not lost or corrupted data, or severe electrical systems damage. If your data is important to you, an UPS unit is cheap insurance. At least get a GOOD surge suppressor.
Tape drive backup systems are very affordable, too.
Hard drives are not perfect storage devices. New Systems Prices change constantly . Call for current pricing. Hardware also changes. Don't get cheap here.