Though some tips if you go digital:
-On the Data Management screen, press down, + and - at the same time to disable USB sleep mode. It is enabled by default, which many assume is causing some errors after updates 5.0 to some.
-Some are also reporting, in case you use a self-powered USB HDD, to plug them in the front ports, as appsrently 5.0 started directing less energy to the back USB pots, causing some corrupt data and saves. Nothing official though.
-You won't lose your games in case your unit is stolen, lost or damaged. Granted, it requires a call to support and in some regions, it may vary by the representative you talk to, but a call and some verification should be enough. And in case you send it for repair, you can even get them to download your stuff to the new unit (if there's anything inside). Though if you have it on an USB HDD is just a matter or inserting it onto the repaired/replacement.