I'm a total computer dummy.

Never heard of a RAID or a NAS or a FAT32, NTFS, Ext3 or Linux SWAP.
Heck, I still have a Motorola Razr flip phone and don't own a laptop .... but am thinking about living on the wild side -- for the first time seriously considering an iPad and a SmartPhone sometime this year. Woo-hoo!
Am I totally foolish to pay for
Mozy? They just sent out an announcement today, that their prices are going up with the next renewal cycle; their cheapest option is 50 GB usage, $120.00 for a two-year contract. Currently, their notice indicated that I am using a big-ol', whopping 0.50 gigabite!